{"took":503,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20110238","_score":30.786718,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Draft Failure to Explain Fraud Investigation Process Subject : Wells Fargo failed to explain what their fraud investigation entails, what evidence is reviewed, or what the customer should expect. \n\nDetails : At no point during my fraud dispute did Wells Fargo explain what their fraud investigation process includes or what evidence they typically review. I was not informed of : what steps a fraud investigation involves what evidence Wells Fargo normally examines what information I was expected to provide what timelines apply what rights I had during the investigation what Wells Fargos obligations were Instead, I was left to figure out the entire process on my own. Representatives provided scripted statements, inconsistent information, and no meaningful guidance. I repeatedly asked what evidence would be reviewed, whether the ATM deposit would be examined, and whether the receiving account would be investigated. I was never given clear answers. \n\nThis lack of explanation directly contributed to Wells Fargos inaccurate determinations. For example, the bank never reviewed the ATM deposit I made on XX/XX/XXXX, never investigated the Wells Fargoopened account that received the stolen funds, and never fulfilled the judgesigned warrant issued to them. Had Wells Fargo explained their process, I would have known immediately that these steps were being skipped. \n\nImpact : The failure to explain the investigation process caused confusion, delays, and prevented me from understanding what information Wells Fargo needed. It also prevented me from identifying early on that key evidence was not being reviewed. This omission contributed to repeated inaccurate determinations and ongoing harm.","date_sent_to_company":"2026-03-09T22:50:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"20110238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-09T22:46:49.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["CFPB Complaint Draft Failure to <em>Explain</em> Fraud <em>Investigation</em> <em>Process</em> <em>Subject</em> : <em>Wells</em> <em>Fargo</em> <em>failed</em> to <em>explain</em> what their fraud <em>investigation</em> entails, what evidence is reviewed, or what the customer should expect. \n\nDetails : At no point during my fraud dispute did <em>Wells</em> <em>Fargo</em> <em>explain</em> what their fraud <em>investigation</em> <em>process</em> includes or what evidence they typically review."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[30.786718,"20110238"]},{"_index":"complaint-public-v1","_id":"21041790","_score":24.40038,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint involves discriminatory and retaliatory treatment at a Wells Fargo branch, as well as the companys failure to properly investigate and address my concerns. \n\nOn or about XX/XX/year>, I visited a Wells Fargo branch to conduct a transaction involving my account. During this interaction, I was subjected to treatment that I believe was discriminatory and retaliatory in nature. The conduct I experienced was not consistent with standard customer service practices and resulted in unequal treatment and harm. \n\nFollowing this incident, I made multiple attempts to resolve the matter directly with Wells Fargo. I submitted complaints, requested escalation, and specifically asked for a full investigation into the actions of the employees involved. \n\nIn particular, I requested : - Review of in-branch video footage from the date of the incident - A detailed explanation addressing each of my claims, including discrimination, retaliation, damages, and corrective measures - Documentation of the investigation process and findings Wells Fargo failed to provide a meaningful investigation. Instead, I received generic responses citing company policies, without addressing the actual events, employee conduct, or my specific allegations. \n\nDuring a recent phone call with a Wells Fargo escalation representative, I was informed that no review of video footage had been conducted. This confirms that no thorough investigation took place despite my repeated requests. \n\nAdditionally, Wells Fargo prematurely closed my case multiple times, stating that no new information was provided, while failing to address the core issues raised in my complaint. \n\nAs a result of this failure to investigate and respond appropriately, I have suffered ongoing harm, frustration, and lack of resolution. \n\nI am requesting that Wells Fargo : 1. Conduct a full and independent investigation into the incident, including review of all available evidence such as video footage 2. Provide a written response addressing each of my claims : discrimination, retaliation, damages, and corrective actions 3. Explain the basis for prior case closures without a complete investigation 4. Take appropriate corrective measures to ensure this conduct does not occur again To date, Wells Fargo has not provided a sufficient response or resolution.","date_sent_to_company":"2026-04-08T06:26:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"983XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21041790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-08T06:12:49.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This complaint involves discriminatory and retaliatory treatment at a <em>Wells</em> <em>Fargo</em> branch, as <em>well</em> as the companys failure to properly <em>investigate</em> and address my concerns. \n\nOn or about XX/XX/year>, I visited a <em>Wells</em> <em>Fargo</em> branch to conduct a transaction involving my account. During this interaction, I was <em>subjected</em> to treatment that I believe was discriminatory and retaliatory in nature."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[24.40038,"21041790"]},{"_index":"complaint-public-v1","_id":"19109618","_score":21.827808,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Narrative I am submitting this complaint to request regulatory review of Wells Fargos mortgage servicing conduct during a refinance inquiry, subsequent loss mitigation review, and internal complaint investigation. The issues described below reflect systemic failures in borrower communication, servicing oversight, and complaint handling that resulted in significant and foreseeable consumer harm. \n\nIn XX/XX/year>, following a documented reduction in income, I proactively contacted Wells Fargo to seek guidance on maintaining affordability and avoiding delinquency. At that time, my account was current and my monthly payment was approximately XXXX XXXX XXXX dollars. I sought assistance precisely because I am not a financial professional and reasonably relied on Wells Fargo, as the loan servicer and institutional expert, to provide accurate and complete information regarding its processes. \n\nDuring my initial recorded call in XX/XX/year> with a Wells Fargo refinance representative, I was provided guidance regarding how the refinance process would proceed and what actions were required during review. Wells Fargo has since asserted that I remained solely responsible for making contractual payments regardless of refinance review status. However, Wells Fargo failed to clearly, affirmatively, and consistently communicate this requirement in a manner sufficient to prevent borrower reliance on incomplete or misleading information. No written clarification, follow up notice, or corrective communication was provided during the months long review period despite multiple points of contact. \n\nWells Fargo accepted an approximately XXXX XXXX dollar refinance related payment, verified my employment including supervisor contact, repeatedly requested documentation, and allowed the process to advance as though approval remained viable. At no point was I informed that failure to continue payments would automatically result in denial, nor was I advised that investor or underwriting guidelines rendered approval impossible. The denial was communicated only moments before a scheduled closing. This sequence reflects a breakdown in Wells Fargos internal review controls and failure to provide material information necessary for an informed borrower decision.\n\nWells Fargos position that responsibility rested entirely with the borrower disregards the servicers obligation to provide accurate, complete, and non misleading guidance during complex servicing interactions. A reasonable servicer exercising ordinary care would have identified the risk of borrower reliance and taken corrective action well before harm occurred. Wells Fargo had repeated opportunities to clarify requirements, pause the process, or issue written warnings. It did none of these things. \n\nAdditionally, Wells Fargo instructed me to obtain payoff statements for other debts and to preserve balances during payoff periods, actions that are standard within refinance workflows. Wells Fargo now attributes the resulting credit damage solely to borrower conduct while failing to acknowledge that these actions occurred within the framework of Wells Fargos own process and instructions. The cumulative result was a credit score reduction exceeding XXXX XXXX points. \n\nAfter the refinance denial, I immediately attempted to mitigate harm by applying for mortgage assistance. Rather than providing relief consistent with hardship standards, Wells Fargo proposed a payment increase of nearly XXXX XXXX dollars per month. Wells Fargo has not explained how increasing a payment constitutes assistance, affordability, or loss mitigation, nor how this outcome aligns with consumer protection principles. My attempt to stabilize the account directly worsened my financial position. \n\nIn XX/XX/year>, as my vehicle faced repossession and my home received a foreclosure notice, I again sought assistance. The response I received focused on retrospective blame rather than resolution, reinforcing a pattern of servicing conduct that prioritizes fault shifting over corrective action. \n\nI also submitted a discrimination complaint regarding my treatment during this process. Wells Fargo assigned the investigation to the same individual whose conduct was the subject of the complaint. This represents a clear conflict of interest and undermines the independence, credibility, and adequacy of the investigation. The review narrowly focused on the assertion that I should have continued making payments, while failing to examine whether Wells Fargo provided accurate guidance, timely disclosures, or adequate safeguards against XXXX XXXX. \n\nI requested a copy of the XX/XX/year> recorded call that would resolve material factual disputes regarding the guidance provided. Wells Fargo refused to provide the recording while simultaneously denying the substance of the guidance given. This refusal impairs transparency and prevents meaningful dispute resolution. \n\nThe property securing this loan has substantial equity, with an approximate value of XXXX XXXX XXXX XXXX dollars and an outstanding balance of approximately XXXX XXXX dollars. The hardship described herein did not arise from unwillingness to pay, but from Wells Fargos failure to provide accurate, complete, and timely servicing guidance, failure to implement effective internal controls, and failure to conduct an impartial complaint review. \n\nI am requesting that the CFPB review Wells Fargos mortgage servicing practices for potential unfair, deceptive, or abusive acts or practices, evaluate its borrower communication standards, assess its complaint investigation procedures for conflicts of interest, and require corrective action to remedy the consumer harm caused by these failures.","date_sent_to_company":"2026-01-29T19:19:00.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"19109618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-29T18:59:16.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I also submitted a discrimination complaint regarding my treatment during this <em>process</em>. <em>Wells</em> <em>Fargo</em> assigned the <em>investigation</em> to the same individual whose conduct was the <em>subject</em> of the complaint. This represents a clear conflict of interest and undermines the independence, credibility, and adequacy of the <em>investigation</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[21.827808,"19109618"]},{"_index":"complaint-public-v1","_id":"17166436","_score":21.764097,"_source":{"product":"Mortgage","complaint_what_happened":"AMENDED COMPLAINT CFPB Consumer : XXXX XXXX Original Complaint ID : XXXX Date of Amendment : XX/XX/year>XXXX  Institution : Wells Fargo Bank , N.A . Mortgage Division Subject : Fraudulent nondisclosure of corrected appraisal ; deceptive handling of Reconsideration of Value ( ROV ) process Summary of New Information I am submitting this amended complaint to report material, newly discovered information that substantially changes the nature of my original complaint filed on XX/XX/year>XXXX  ( CFPB Complaint ID XXXX ). \n\nOn XX/XX/year>, I spoke directly with the appraiser, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), who performed the appraisal of my home at XXXX XXXX XXXX on behalf of Wells Fargo. \n\nDuring that call, XXXX XXXX informed me that : On XX/XX/year>, she submitted a corrected appraisal in the amount of {>= $1,000,000} to Wells Fargo, after receiving confirming information from Wells Fargo showing that she had missed a bathroom in her original inspection. \n\nShe stated that the omission was a simple mistake and that she corrected it promptly once Wells Fargo supplied the required documentation. \n\nThis information is directly contrary to Wells Fargos representations to me throughout the entire reconsideration process.\n\nBasis of Amended Complaint 1. Wells Fargo concealed the corrected appraisal from me.\n\nAt no time did any Wells Fargo representative disclose that : A corrected appraisal had been submitted The corrected value was materially higher The reconsideration process had actually succeeded on the appraisers end Instead, Wells Fargo : Continued to insist that the original valuation was final, Asserted that the revised appraisal information was unsupported, Told me no change to the value would be made, and Treated the loan as though the corrected appraisal never existed.\n\n2. The appraiser can not legally provide me with the corrected appraisal.\n\nUnder USPAP confidentiality rules, the appraisers client in this case is Wells Fargonot me.\n\nThus, I must rely on the appraisers direct verbal disclosure, which I believe to be credible and consistent with her professional obligations. \n\nWells Fargo, as the client, is the only party legally authorized to release the corrected appraisaland yet they claim it does not exist or intentionally withheld it. \n\n3. Wells Fargos conduct constitutes a deceptive and materially misleading omission.\n\nBy failing to disclose the corrected appraisal they received, Wells Fargo : Misrepresented the status of the ROV process Continued underwriting the loan based on an appraisal they knew was outdated and incorrect Pressured me to proceed with a refinance under false pretenses Caused the collapse of my refinance and financial harm This is conduct that satisfies the definition of deceptive practice under federal consumer protection standards. \n\n4. The timing demonstrates conscious concealment.\n\nThe corrected appraisal was submitted on XX/XX/year>. \nFrom that date forward, Wells Fargo : Continued to represent that the value would not be adjusted Denied the ROV Refused to acknowledge the corrected valuation Failed to inform me that the appraiser had resolved the matter in the exact way I had requested This was not an oversight it was a material omission of fact during an active loan process. \n\n\n\nRequested Action I respectfully request that the CFPB : 1. Investigate Wells Fargos concealment of the corrected appraisal submitted on XX/XX/year>. \n2. Determine whether Wells Fargos actions constitute deceptive or unfair practices under federal law.\n\n3. Require Wells Fargo to provide restitution, including the appraisal fee, compensation for time lost, and compensation for the financial consequences of being forced to abandon the refinance.\n\n4. Determine whether this behavior reflects a pattern or practice affecting other consumers.\n\nAll supporting documentation that I am legally able to obtain is available upon request. \nAs explained above, the corrected appraisal itself can not legally be released to me by the appraiser unless Wells Fargo authorizes it.\n\nConclusion The appraiser acted appropriately once the error was identified.\n\nWells Fargo did not. \n\nWells Fargo concealed the existence of a corrected appraisal, misrepresented the status of my ROV, and knowingly pressured me to proceed under false information. \n\nThis concealment caused measurable financial harm and undermines the integrity of the mortgage lending process. \n\nI respectfully request CFPB intervention. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX ORIGINAL COMPLAINT ( XXXX ) : I submit this formal complaint against Wells Fargo Bank , N.A . Mortgage Division ( Wells Fargo ) regarding its handling of my mortgage refinance application for my primary residence at XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Background In early XX/XX/year>, I initiated a rate-and-term refinance with Wells Fargo. The application process moved forward through XXXX with normal documentation and disclosures. On XX/XX/year>, Wells Fargos retained appraiser, XXXX XXXX XXXX, issued an appraisal report that materially misrepresented my property by omitting a full bathroom on the upper floor. This is not a minor discrepancy : the omission affected the comparison grid and the indicated value of my home ( supporting materials available upon request ). Good-Faith Efforts to Correct the Error On XX/XX/year>, I followed Wells Fargos internal Reconsideration of Value ( ROV ) procedure, formally documenting the error and restating the original comparables with corrected valuations to reflect the missed bathroom, consistent with the appraisers own adjustment schedule. Over XXXX XXXX XXXX  I exchanged multiple emails with Wells Fargos XXXX XXXX Sales Support XXXX, XXXX XXXX, reiterating that I would not sign any loan relying on an appraisal that materially misrepresented my home and providing additional documentation and prior appraisal evidence. In one of those emails I explicitly stated : I will not sign any loan application that relies upon or incorporates an appraisal that materially misrepresents the nature and value of my home. On XX/XX/year>, Wells Fargo acknowledged the revised appraisal was unsupported and said it would escalate to a desk review at no cost to me ; however, Wells Fargo ultimately refused to correct the valuation and continued pressing me to proceed with the loan based on the flawed appraisal. Illusory Appeal Process Wells Fargos internal process gave the appearance of a fair and good-faith review but, in practice, provided only illusory assurances : At each stage Wells Fargo required additional forms, supporting documents, and iterations of my request, which I promptly provided. Despite the exacting evidence I submittedincluding prior appraisals, MLS listings, photographs, and a 360 virtual tourthe outcome did not change. Wells Fargo continued to insist that I proceed with a refinance based on an appraisal that clearly undervalued my home, to its advantage and to my detriment. I was incredulous that Wells Fargo would so vigorously defend an obviously flawed appraisal and perpetuate this treatment on an existing customer ; this leads me to question how other consumersespecially non-customersare treated in similar processes. This pattern left me with the reasonable but mistaken belief that Wells Fargo was treating my complaint in good faith when in fact the outcome was predetermined. Why the Error Is Material The {$50000.00} figure for a full-bathroom difference comes from the original appraisers own stated adjustment schedulenot from any Wells Fargo methodology . Because the appraisal failed to include a full bath in the subject property, the comparison grid applied the wrong bathroom counts, introducing a downward bias of roughly {$50000.00} in the indicated value ( about 3 % on a $ XXXX valuation ). This artificially increased my loan-to-value ratio, exposed me to a higher interest rate, and undermined my ability to proceed on fair terms. Harm Suffered Financial harm : I paid Wells Fargo for an appraisal that was materially inaccurate anddespite my timely, documented ROV requestleft uncorrected. Time burden : I devoted substantial hours compiling evidence, submitting Wells Fargos forms, and corresponding to remedy this error. Lost opportunity : I ultimately abandoned the refinance with Wells Fargo and proceeded with another lender. Remedy Sought I respectfully request that the Department investigate and take appropriate action. Specifically, I seek : 1. Full refund of the appraisal fee paid to Wells Fargo ; and 2. Reasonable compensation for my time spent attempting to correct the error, which I will substantiate upon request. This complaint is directed at Wells Fargo the institution, not at any individual employee. While XXXX XXXX was my primary contact, the outcome reflects institutional handling and decision-making. Conclusion I complied with Wells Fargos procedures, promptly supplied evidence, and flagged a clear, material defect. Wells Fargo maintained an inaccurate valuation and subjected me to a process that only gave the illusion of good-faith review while pressing me to sign on to a refinance based on an appraisal that benefited the bank and harmed me financially. This caused direct financial harm. I ask the Department to review this matter and hold Wells Fargo accountable for its practices. All referenced materials are available upon request. Thank you for your attention. Sincerely, XXXX XXXX","date_sent_to_company":"2025-11-11T16:53:01.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"98036","tags":null,"has_narrative":true,"complaint_id":"17166436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-11-11T16:38:37.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Negative impact of inaccurate appraisal"},"highlight":{"complaint_what_happened":["As <em>explained</em> above, the corrected appraisal itself can not legally be released to me by the appraiser unless <em>Wells</em> <em>Fargo</em> authorizes it.\n\nConclusion The appraiser acted appropriately once the error was identified.\n\n<em>Wells</em> <em>Fargo</em> did not. \n\n<em>Wells</em> <em>Fargo</em> concealed the existence of a corrected appraisal, misrepresented the status of my ROV, and knowingly pressured me to proceed under false information."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[21.764097,"17166436"]},{"_index":"complaint-public-v1","_id":"15494710","_score":20.79065,"_source":{"product":"Checking or savings account","complaint_what_happened":"CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU Date : XX/XX/XXXXXXXX  Complaint ID : [ To be assigned by CFPB ] I. CONSUMER IDENTITY AND CONTACT INFORMATION Complainant : XXXX XXXX Preferred Contact Method : Email Email Address : XXXX Location : XXXX, Nevada Authorization and Privacy Disclosure : By submitting this complaint, I authorize the Consumer Financial Protection Bureau ( CFPB ) to send my complaint and supporting documentation to the company identified below. I understand that the CFPB will share my complaint with the company for response, and that information I provide may be subject to publication in the CFPBs Consumer Complaint Database with personally identifiable information removed. I certify that the information provided in this complaint is true and accurate to the best of my knowledge and belief. \nII. FINANCIAL INSTITUTION INFORMATION Institution Name : Wells Fargo Bank , N.A . Claims Department Institution Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Institution RSSD ID : XXXX Dispute Reference Number : # XXXX Account Type : Personal Checking Account with Debit Card Ending in XXXX Transaction Amount in Dispute : {$1000.00} XXXX. PRODUCT/SERVICE TYPE AND ISSUE CATEGORY Product/Service Type : Bank account or service Sub-product : Debit card Issue Type : Problem with a purchase Sub-issue : Dispute handling and resolution process Secondary Issue : Failure to provide adequate information about dispute status and investigation process IV. DETAILED NARRATIVE OF EVENTS A. Original Transaction Details On XX/XX/XXXX, I purchased an e-scooter from seller XXXX  through XXXX website for {$1000.00}, using my Wells Fargo debit card. At the time of purchase, I contacted XXXX customer service and was explicitly informed that the e-scooter could be returned to a physical XXXX store if necessary. \nB. Attempted Return and Seller/Retailer Failures On XX/XX/XXXX, I attempted to return the e-scooter to a physical XXXX store as previously advised. However, contrary to the information provided during my XX/XX/XXXXXXXX  call, store personnel informed me that this item was not returnable in-store due to its size and weight ( XXXX pounds ). This contradictory information began a series of unsuccessful attempts to facilitate a return. \nFollowing the in-store rejection, I immediately contacted both XXXX and the seller XXXX via email and seven plus calls with XXXX requesting return instructions and freight pickup arrangements, as the e-scooters size and weight make standard shipping impossible. Despite multiple email communications beginning XX/XX/XXXX, and continuing through XX/XX/XXXX, XXXX has consistently refused to arrange for the freight pickup necessary to facilitate the return for unfoldable/defective product. \nXXXX initially promised to arrange a XXXX  freight pickup but subsequently failed to fulfill this commitment, leaving me with no viable means to return the product. This situation is further complicated by my documented medical condition, as I have a left shoulder injury that restricts me from lifting more than XXXX pounds, making personal transportation of a XXXX e-scooter physically impossible and medically contraindicated. \nC. Wells Fargo Dispute Filing and Handling Between XX/XX/XXXX and XX/XX/XXXX, I filed a formal dispute with Wells Fargo ( dispute # XXXX ) regarding this transaction. I provided Wells Fargos claims department with comprehensive documentation including : 1. Email communications with XXXX demonstrating their refusal to facilitate a return 2. Email communications with XXXX showing their failure to arrange the promised freight pickup 3. Medical documentation ( appropriately redacted ) confirming my lifting restrictions 4. A transcript of my XXXX XXXX XXXX  call with XXXX customer service representative XXXX, who explicitly advised me to proceed with the Wells Fargo dispute based on the evidence I had compiled Despite providing this extensive documentation, Wells Fargo has failed to provide adequate information regarding the status of my dispute investigation, the evidence they have gathered from all parties, or the criteria they are using to evaluate my claim. While Wells Fargo has acknowledged that an investigation is ongoing, they have not provided a timeline for resolution or a comprehensive explanation of their investigation process. \nV. WELLS FARGOS DISPUTE HANDLING DEFICIENCIES A. Failure to Provide Adequate Investigation Status Information Since filing my dispute between XXXX XXXX XXXX Wells Fargo has failed to provide transparent and detailed information regarding : 1. The current status of the investigation beyond acknowledging it is ongoing 2. The specific evidence they have gathered from me, the seller XXXX, and XXXX 3. How this evidence is being evaluated in relation to applicable regulations and bank policies 4. The anticipated timeline for investigation completion 5. The specific criteria being used to determine the outcome of my dispute B. Lack of Transparency in Evidence Evaluation Process Wells Fargo has not disclosed : 1. Whether they have contacted XXXX and XXXX to verify my account of events 2. How they are evaluating the documented evidence of the sellers and Walmarts failure to facilitate a return 3. Whether they are considering my medical documentation demonstrating physical inability to return the item without freight pickup 4. The weight they are giving to XXXX customer service representative XXXX explicit recommendation to pursue this dispute C. Insufficient Communication Regarding Decision Criteria Wells Fargo has failed to provide : 1. Clear explanation of the standards and criteria being applied to my dispute 2. Information about how they evaluate disputes involving third-party sellers on e-commerce platforms 3. Transparency regarding how they assess situations where physical return of merchandise is impossible due to seller/retailer failure to facilitate return logistics 4. Explanation of how medical limitations affecting return capability are factored into their decision-making process VI. REGULATORY VIOLATIONS AND COMPLIANCE ISSUES A. Electronic Fund Transfer Act Requirements Wells Fargos handling of this dispute appears to violate several provisions of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), including : 1. Failure to provide adequate information about the investigation process 2. Lack of transparency regarding evidence collection and evaluation 3. Insufficient communication regarding investigation status and timeline B. Regulation E Investigation Standards Under 12 CFR Part 1005 ( Regulation E ), financial institutions are required to : 1. Conduct a thorough investigation of alleged errors 2. Review all relevant information provided by the consumer 3. Determine whether an error occurred 4. Report the results of the investigation to the consumer 5. Provide copies of documentation relied upon in reaching their determination, if requested Wells Fargos failure to provide comprehensive information about their investigation process and the evidence they are considering appears to fall short of these regulatory requirements. \nC. Consumer Financial Protection Act Obligations The Consumer Financial Protection Act of XXXX establishes standards for transparent, fair, and responsive handling of consumer financial disputes. Wells Fargos lack of transparency and failure to provide adequate information about the dispute investigation process may constitute unfair, deceptive, or abusive acts or practices under this legislation. \nVII. SUPPORTING DOCUMENTATION I have provided Wells Fargo with the following documentation, which I am prepared to submit to the CFPB upon request : 1. Email communications with seller HLOIE demonstrating their refusal to facilitate a return 2. Email communications with XXXX showing their failure to arrange the promised freight pickup 3. Transcript of my XXXX XXXX XXXX call with XXXX customer service representative XXXX XXXX XXXX Medical documentation ( appropriately redacted ) confirming my lifting restrictions of no more than XXXX pounds XXXX. Wells Fargo XXXX acknowledging the ongoing investigation 6. Documentation of my attempts to resolve this issue directly with Wells Fargos claims department between XX/XX/XXXX, and the date of this complaint VIII. DESIRED RESOLUTION AND CFPB ACTION REQUESTED A. Specific Four-Page Investigation Report Requirement I respectfully request that the CFPB require Wells Fargo to provide me with a comprehensive four-page investigation report detailing : 1. All evidence gathered from me, the seller XXXX, and XXXX regarding this dispute 2. A thorough explanation of how this evidence has been evaluated 3. The specific criteria and standards being applied to determine the outcome of my dispute 4. A detailed timeline of the investigation process to date and anticipated completion 5. Multiple four-to-six sentence paragraphs explaining the decision criteria and how evidence was evaluated This report should be provided to me BEFORE Wells Fargo finalizes their decision on my dispute claim.\n\nB. Review of Wells Fargos Dispute Handling Procedures I request that the CFPB conduct a review of Wells Fargos dispute handling procedures to ensure compliance with : 1. Electronic Fund Transfer Act requirements for dispute investigation and resolution 2. Regulation E standards for error resolution and investigation 3. Consumer Financial Protection Act provisions regarding fair and transparent financial services 4. Industry best practices for consumer dispute resolution C. Compliance Assessment with Federal Regulations I request that the CFPB assess whether Wells Fargos handling of my dispute complies with applicable federal regulations, particularly regarding : 1. Transparency in the investigation process 2. Communication of investigation status and findings 3. Consideration of all relevant evidence 4. Fair and impartial evaluation of dispute claims 5. Timely resolution of consumer disputes I appreciate the CFPBs attention to this matter and look forward to a fair and transparent resolution of my complaint. \nRespectfully submitted, XXXX XXXX Date : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-08-25T19:45:43.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"89509","tags":null,"has_narrative":true,"complaint_id":"15494710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-25T19:37:56.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["While <em>Wells</em> <em>Fargo</em> has acknowledged that an <em>investigation</em> is ongoing, they have not provided a timeline for resolution or a comprehensive explanation of their <em>investigation</em> <em>process</em>. \nV. <em>WELLS</em> <em>FARGOS</em> DISPUTE HANDLING DEFICIENCIES A. Failure to Provide Adequate <em>Investigation</em> Status Information Since filing my dispute between XXXX XXXX XXXX <em>Wells</em> <em>Fargo</em> has <em>failed</em> to provide transparent and detailed information regarding : 1."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.79065,"15494710"]},{"_index":"complaint-public-v1","_id":"23042222","_score":20.532547,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Regarding Wells Fargo Credit Card Account and Payment Issues I am submitting this complaint regarding ongoing issues with my Wells Fargo credit card account, repeated failures by Wells Fargo representatives to resolve those issues, and the negative impact these problems have had on me. \n\nAs soon as I received my Wells Fargo credit card, I created an online account and attempted to set up automatic payments from my XXXX XXXX  checking account. I believe this was around XX/XX/year>. \n\nOn XX/XX/year>, I received an email stating that my credit card payment was due. This surprised me because I believed automatic payments had already been established. I logged into my account and discovered that automatic bill pay had not been set up. I attempted to set it up again but was unable to do so. \n\nI then contacted Wells Fargo customer service. Over the course of several weeks, I spoke with approximately XXXX different representatives across multiple departments. The first several representatives attempted to help me set up automatic payments but were unable to resolve the issue. Each time I requested to speak with a supervisor or XXXX, I was either placed on hold and disconnected or transferred to another representative. When I called back, I was repeatedly told that representatives could not see the notes from previous calls. \n\nDuring XXXX call, I was told that I could make a payment at a local Wells Fargo office. I searched online and found a Wells Fargo location approximately XXXX miles away. After traveling there, I was informed that the office only handled investments and did not provide banking services. I was then told that the nearest full-service Wells Fargo branch was located in XXXX, Tennessee, XXXX XXXX miles away. I believe I was provided inaccurate information by Wells Fargo representatives. \n\nAnother representative informed me that my payment attempts failed because I had not verified micro-deposits associated with my XXXX Bank account. The representative had me delete the linked account and walk through the setup process again. During this process, the Wells Fargo system identified my XXXX XXXX  account as a business account. The representative stated this was a problem and instructed me to contact my bank. \n\nI contacted XXXX XXXX and was informed that the account was a personal checking account. The bank representative further stated that even if it were a business account, it should not prevent payments from being made. I currently use the same account successfully for my water bill, electric bill, and a XXXX credit card without any issues. \n\nI contacted Wells Fargo again and spoke with the department responsible for online credit card payments. I was told that after deleting and re-adding the account, I would receive a second set of micro-deposits that would need to be verified. I requested to speak with a supervisor or XXXX but was told it could take up to XXXX hours to receive a callback. \n\nA few days later, I received a call from a representative in the complaints department rather than management. The representative advised me to sign up again and verify the micro-deposits. I specifically asked whether deleting and re-adding the account would generate a second set of micro-deposits. The representative said he would research the issue and call me back. He later confirmed that I would need to wait for the second set of deposits. Those deposits never arrived. \n\nOver the following weeks, I spoke with several additional representatives. Each promised that management would contact me, but I never received a call from a XXXX. \n\nOn XX/XX/year>, I called Wells Fargo and was transferred to XXXX XXXX XXXX. I spoke with a representative named Deaushane ( Representative ID XXXX ), who stated that account maintenance was required and that the process could take up to XXXX business days. I was also informed that I could not speak directly with management.\n\nI later received an email from Wells Fargo referencing Case Number XXXX and requesting additional information. \n\nOn XX/XX/year>, I called Wells Fargo regarding that case number. The representative informed me that the case number was invalid and could not answer my questions. After further review, another representative located a case and provided contact information for XXXX XXXX XXXX left XXXX a voicemail requesting a return call. \n\nXXXX later returned my call and referenced XXXX XXXX XXXX. During that conversation, XXXX informed me that Wells Fargo does not allow automatic bill payments from XXXX XXXX accounts. This directly contradicted information I had previously received from other Wells Fargo representatives. \n\nI also spoke with XXXX, a XXXX, at XXXX. However, despite leaving messages and requesting updates, I did not receive return calls. \n\nOn XX/XX/year>, my caller ID showed an incoming call from Wells Fargo. When I answered, nobody spoke. I expected a follow-up call, but none was received. \n\nOn XX/XX/year>, I left XXXX another message explaining the missed call and requesting an update. I never received a response. \n\nOn XX/XX/year>, I contacted Wells Fargo again. The representatives immediately requested payment but were unable to provide any meaningful update regarding the underlying issue. One representative stated there were no notes on my case. I was repeatedly interrupted while attempting to explain the situation and was transferred multiple times without resolution.\n\nAt this point, I have lost confidence in Wells Fargo 's ability to properly manage my account or resolve this issue. I only applied for this credit card because of the advertised {$200.00} promotional bonus and cash-back rewards. Wells Fargo ultimately suspended my card before I could complete the final {$25.00} in spending required to earn the bonus.\n\nAs a result of Wells Fargo 's failure to properly establish or process payments, I believe my credit has been negatively affected. I attempted in good faith to set up automatic payments and repeatedly sought assistance when problems arose. The issue was never resolved despite numerous phone calls and promises of follow-up.\n\nI am requesting the following : Removal of all late fees, penalties, and interest charges related to these payment-processing issues.\n\nRemoval of any negative credit reporting associated with these events.\n\nPayment of the {$200.00} promotional bonus that I would have earned had Wells Fargo not restricted my account.\n\nA complete written explanation of what caused these payment setup failures.\n\nClosure of my Wells Fargo credit card account after all outstanding balances are paid.\n\nWritten confirmation that Wells Fargo will cease further business solicitations and marketing communications after the account is closed. \n\nI have made repeated good-faith efforts to resolve this matter. Wells Fargo representatives provided conflicting information, failed to return promised calls, refused or failed to connect me with management, and repeatedly transferred me between departments without resolving the issue. \n\nI respectfully request a prompt investigation and written response.","date_sent_to_company":"2026-06-09T19:42:52.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"40219","tags":null,"has_narrative":true,"complaint_id":"23042222","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-06-09T19:32:56.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Written confirmation that <em>Wells</em> <em>Fargo</em> will cease further business solicitations and marketing communications after the account is closed. \n\nI have made repeated good-faith efforts to resolve this matter. <em>Wells</em> <em>Fargo</em> representatives provided conflicting information, <em>failed</em> to return promised calls, refused or <em>failed</em> to connect me with management, and repeatedly transferred me between departments without resolving the issue. \n\nI respectfully request a prompt <em>investigation</em> and written response."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"sub_issue":["Problem during payment <em>process</em>"]},"sort":[20.532547,"23042222"]},{"_index":"complaint-public-v1","_id":"21896645","_score":20.50971,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo Bank, N.A., as the Receiving Depository Financial Institution ( RDFI ), processed four fraudulent ACH unauthorized-debit dispute claims submitted by one of its customers against me, an originator of legitimate ACH rent payments. Three of the four returns were transmitted outside the 60-day XXXX window for consumer unauthorized-debit returns, and the underlying claims are demonstrably false based on a fully executed lease and documented occupancy. I have engaged Wells Fargo directly through a XXXX branch and an internal investigation has been opened, but I am filing with CFPB given the systemic concerns about how Wells Fargo processed these claims initially. \n\nBackground I am a residential landlord ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I rent to tenants who pay rent via ACH through the XXXX property management platform, which uses XXXX as its payment processor. \n\nFrom XX/XX/XXXX through XX/XX/XXXX, my tenant XXXX XXXX XXXX XXXX ( a Wells Fargo customer ) lived at the property and paid rent via ACH from his Wells Fargo bank account. He made five rent payments during this period, all properly authorized, for which he received four months of housing as consideration. \n\nAfter vacating on XX/XX/XXXX, XXXX XXXX filed four ACH dispute claims with Wells Fargo, asserting that the underlying rent payments were \" unauthorized. '' Wells Fargo processed all four disputes and transmitted ACH return entries that pulled the funds back from my account, leaving me with a {$2400.00} negative balance with my payment platform. \n\nI have a fully executed residential lease signed by XXXX XXXX, utility records establishing his occupancy of my property during all four payment settlement periods, and platform records showing he authorized each payment. The dispute claims he filed with Wells Fargo are objectively and demonstrably false. \n\nXXXX timing concern The four returns were transmitted as follows : - Original settlement XX/XX/XXXX ACH return XX/XX/XXXX ( 128 days elapsed ) - Original settlement XX/XX/XXXX ACH return XX/XX/XXXX ( 100 days ) - Original settlement XX/XX/XXXX ACH return XX/XX/XXXX ( 72 days ) - Original settlement XX/XX/XXXX ACH return XX/XX/XXXX ( 30 days ) Under the XXXX Operating Rules, consumer unauthorized-debit returns under reason codes XXXX, XXXX, or XXXX must be transmitted by the RDFI within 60 calendar days of settlement. Three of the four returns above fall outside that window. \n\nReturns transmitted beyond the 60-day window can only properly occur through one of two paths : XXXX. Improper use of an R-code beyond the permitted window a violation of XXXX Operating Rules by Wells Fargo as RDFI ; or 2. Use of the breach-of-warranty claim path under XXXX Rules, which requires the consumer to submit a sworn Written Statement of Unauthorized Debit ( WSUD ) to Wells Fargo. \n\nIf Wells Fargo processed the late returns under path ( 1 ), it transmitted ACH returns that should have been rejected as untimely. If Wells Fargo processed them under path ( 2 ), it accepted a sworn affidavit from XXXX XXXX that is provably false and must be evaluated against the documentary evidence ( signed lease, utility records, occupancy documentation ) that contradicts it. \n\nIn either case, Wells Fargo 's processing of these returns appears to have failed to apply appropriate verification, with the result that I as the originating party suffered a financial loss of approximately {$4300.00} in clawed-back legitimate rent payments, plus {$2400.00} in residual platform balance liability. \n\nIndependent fraud indicators in payment metadata All four disputed transactions, in XXXXXXXX XXXX records, carry an \" XXXX XXXX : The address value was incomplete '' metadata flag at the time of original payment. This pattern the same address validation failure across four sequential payments by the same customer suggests the customer intentionally provided incomplete billing address information to facilitate later \" unauthorized '' claims based on address mismatch. Wells Fargo, as the RDFI, would not have visibility into this XXXXside metadata, but it is part of the broader pattern indicating premeditated fraud rather than a good-faith dispute. \n\nMy direct engagement with Wells Fargo On XX/XX/XXXX, I visited the Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. I met with Branch Manager / Vice President XXXX XXXX ( XXXX XXXX  XXXX ), explained the situation, and provided supporting documentation. XXXX XXXX opened internal investigation ticket XXXX and indicated that Wells Fargo investigators would contact me. I am providing the supporting documentation in writing as a follow-up. \n\nI am filing this CFPB complaint in parallel with the internal investigation because : 1. The underlying conduct Wells Fargo 's processing of facially fraudulent disputes filed beyond the XXXX window represents a systemic concern that warrants regulatory visibility regardless of the outcome of any individual case ; 2. As the originating party ( not a Wells Fargo customer ), I have limited recourse through Wells Fargo 's customer-facing channels and benefit from CFPB oversight of the RDFI 's responsiveness ; and 3. The pattern of Wells Fargo accepting late-filed unauthorized-debit returns and sworn affidavits without adequate verification has implications beyond my individual case, particularly for landlords and small businesses that originate ACH transactions to Wells Fargo customers. \n\nLaw enforcement and regulatory context This matter is the subject of multiple active investigations and regulatory complaints : - XXXX Police Department, Case # XXXX ( XXXX XXXX Fraudulent Schemes ; XXXX XXXX Theft of Services ) - FBI Internet Crime Complaint Center, XXXX XXXX XXXX ( referencing potential 18 U.S.C. 1014 violation if WSUDs were filed ) - NY Department of Financial Services, File # XXXX ( against the platform, XXXX ) - Consumer Financial Protection Bureau XXXX Complaint # XXXX ( against the platform, RentRedi ) - Arizona Attorney General Consumer Information & Complaints , File # XXXX ( against the platform ) - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX What I am asking CFPB to investigate 1. Whether Wells Fargo 's processing of the four disputed ACH returns complied with XXXX Operating Rules, particularly with respect to the three returns transmitted outside the 60-day window for consumer unauthorized-debit codes ( XXXX, XXXX, XXXX ). \n\n2. Whether Wells Fargo properly verified the basis for any sworn Written Statements of Unauthorized Debit submitted by XXXX XXXX, particularly given the documentary evidence available that contradicts those claims. \n\n3. Whether Wells Fargo has adequate policies and procedures for protecting originating parties ( such as landlords and small businesses ) from fraudulent dispute claims filed by Wells Fargo customers.\n\n4. The status and outcome of internal investigation ticket XXXX opened by XXXX XXXX XXXX XX/XX/XXXX.","date_sent_to_company":"2026-05-05T16:45:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85283","tags":null,"has_narrative":true,"complaint_id":"21896645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-05T16:24:04.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["In either case, <em>Wells</em> <em>Fargo</em> 's <em>processing</em> of these returns appears to have <em>failed</em> to apply appropriate verification, with the result that I as the originating party suffered a financial loss of approximately {$4300.00} in clawed-back legitimate rent payments, plus {$2400.00} in residual platform balance liability."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.50971,"21896645"]},{"_index":"complaint-public-v1","_id":"14527227","_score":19.012049,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against XXXX XXXX I, Executive Escalations Team Member, for Mishandling Complaints To the Board, Despite multiple detailed complaints already submitted to the Board and CEO, my issues remain unresolved, and no one has reached out to me directly. \n\nXXXX XXXX XXXX of Wells Fargos Executive Escalations team, part of the Executive Office, has closed all my complaints without properly addressing them. She has repeatedly confused separate transactionsmy {$19.00} dispute and an unrelated {$80.00} chargeand failed to update my contact information as instructed. These problems have been clearly communicated but ignored. \n\nA new and troubling issue has arisen : On XX/XX/year>, I requested a stop payment on a {$14.00} transaction. Wells Fargo customer service confirmed that the stop payment had been placed on the merchant, who has my account and routing number for future recurring transactions. However, I subsequently received a letter stating the bank can not place a stop on this merchant and that I must first lose the money before the bank will dispute it on my behalf. This contradictory and unacceptable approach disregards the purpose of my proactive call to avoid any loss. \n\nWhen I escalate externally, including to CFPB, my complaints are redirected back to XXXX XXXX I, the very individual responsible for mishandling my concerns. This circular process obstructs any meaningful resolution. \n\nGiven the persistent silence from senior leadership and repeated failures by XXXX XXXX XXXX, whose conduct does not reflect the professionalism expected from someone in her executive role, I am deeply concerned there may be improper influences at playpotentially involving favors that protect her or certain executiveswhich could explain the ongoing lack of accountability and response. If the Board is not complicit, I urge immediate intervention and a full investigation. If otherwise, this raises even more serious concerns. \n\nI expect direct contact from a senior leader by phone to address these matters without further delay.","date_sent_to_company":"2025-07-08T08:01:45.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"14527227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-08T07:53:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't stop withdrawals from your account"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Against XXXX XXXX I, Executive Escalations Team Member, for Mishandling Complaints To the Board, Despite multiple detailed complaints already submitted to the Board and CEO, my issues remain unresolved, and no one has reached out to me directly. \n\nXXXX XXXX XXXX of <em>Wells</em> <em>Fargos</em> Executive Escalations team, part of the Executive Office, has closed all my complaints without properly addressing them."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.012049,"14527227"]},{"_index":"complaint-public-v1","_id":"20096820","_score":18.934898,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Procedural deficiencies, unsupported conclusions, and omissions in Wells Fargos Final Determination letter dated XX/XX/year>. \n\nWells Fargos XX/XX/year>XXXX  Final Determination letter contains multiple procedural errors, unsupported assertions, and omissions that prevent me from understanding the basis of the denial. The letter does not meet regulatory standards for accuracy, completeness, or transparency. \n\n1. The letter fails to address the ATM deposit entirely The ATM deposit was the central issue in my complaint. This Final Determination letter does not mention the ATM deposit at all. A determination that omits the primary disputed transaction is procedurally defective and prevents me from understanding the basis of the denial.\n\n2. Unsupported claim that I authorized the withdrawals The letter states : It has been determined that you or someone with your permission authorized the withdrawals.\n\nNo evidence is described or provided to support this conclusion. No teller notes, authentication logs, ATM records, or surveillance footage were included. The letter simply repeats the denial without demonstrating that an investigation occurred. \n\n3. The letter contradicts itself regarding the fraud scheme The letter states : It has been determined that you were a victim of a fraud scheme, yet simultaneously claims I authorized the withdrawals.\n\nThese two statements can not both be true. The letter does not reconcile this contradiction.\n\n4. The letter references a XX/XX/year>XXXX  letter but does not provide it The letter claims : A letter was mailed on XX/XX/year>XXXX  advising action needed This letter was not included, and no explanation is provided for why it was omitted. A determination can not rely on documents the consumer has not received. \n\n5. No documentation was provided despite referencing an investigation The letter claims : We have completed our research but provides no evidence, no documentation, and no explanation of what was reviewed. A determination that references an investigation but provides no supporting documentation is procedurally insufficient. \n\n6. The letter closes the case despite unresolved issues The letter states : Please consider this claim closed.\n\nThis is inappropriate because : the ATM deposit was not addressed no evidence was provided no teller notes were provided no authentication logs were provided no explanation was given for the contradictory statements Closing the case without addressing the core issue is a procedural failure. \n\n7. The letter improperly shifts responsibility to law enforcement The letter instructs me to continue to work with law enforcement, but Wells Fargo has not confirmed whether it responded to the detectives search warrant or provided the required ATM records. The bank can not shift responsibility while withholding information. \n\nRequested Resolution : 1. A corrected Final Determination that addresses the ATM deposit, provides the evidence referenced in the letter, and explains the contradictory statements.\n\n2. Confirmation of whether the detectives search warrant was received and processed.\n\n3. A full review by a department other than XXXX  due to procedural errors in this determination.","date_sent_to_company":"2026-03-09T17:19:50.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"20096820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-09T17:14:20.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Procedural deficiencies, unsupported conclusions, and omissions in <em>Wells</em> <em>Fargos</em> Final Determination letter dated XX/XX/year>. \n\n<em>Wells</em> <em>Fargos</em> XX/XX/year>XXXX  Final Determination letter contains multiple procedural errors, unsupported assertions, and omissions that prevent me from understanding the basis of the denial. The letter does not meet regulatory standards for accuracy, completeness, or transparency. \n\n1."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[18.934898,"20096820"]},{"_index":"complaint-public-v1","_id":"3273779","_score":18.78752,"_source":{"product":"Mortgage","complaint_what_happened":"Washington, DC Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint To : Consumer Complaint Agent, Im writing this letter to explain my complaint. I first would like to tell you, I am not struggling to pay my mortgage. In fact, I found out, I do not have a mortgage Note. I own a home in the district of Columbia. My original mortgage began in XXXX and was released in XXXX. I am writing you this letter for two reasons. One, my complaint in its entirety can not be explained using the small box on the complaint form. Two, I believe cfpd can help me right this wrong. \nThe house I brought nineteen years ago is the reason Im writing you this letter. I have filed a complaint with cfpb, and I have filed a complaint to Quiet my title. The case is in court as I write this letter. The reason Im writing your agency is to document my case. In XXXX of XXXX, I found out that Wells Fargo had slandered my mortgage with the assistance of HUD. Yes, I said it, HUD assisted. I have attached the email that the HUD employee sent me, it confirms this fact. \nLet me start with the facts that I have been able to gather so far. In XXXX my mortgage was released. Im still not sure if FHA insurance paid it off because it had gone bifurcated for nine years or my father paid it off. What I do know for sure is its was released in XXXX. Up until XXXX of this year, I had been paying this released mortgage to Wells Fargo believing they were the holders of the Note. Wells Fargo lead me to believe they modified my original mortgage. In XXXX, I called Wells Fargo to find out why, I couldnt pay my mortgage online as I had been for the last six years. \nThe agent on the other end of the phone told me, your mortgage has been transferred to a new mortgage server, Wells Fargo is not the Holder of your Note, we were only servicing your mortgage. I asked, who is the holder of the Note? She said, I cant tell who it was. A new company was assigned to servicing my mortgage, XXXX XXXX XXXX. I asked, what about the documents you had me sign? you never modified my loan as you said you would. I just received a letter from Wells Fargo saying you overlooked my modification. The agent said she didnt know what I was talking about. She was able to see that Wells Fargo had establish a second mortgage account in my name with a separate mortgage number. I told the agent, yes that was supposed to be my HUD modification and I dont know why its just sitting there in an account separate from my mortgage. The agent pretended not to know what that meant and went on to say, well you dont have to pay us back until XXXX of XXXX. \nWells Fargo had taken the Partial Claims Promissory Note funds they received on my behalf and opened a separated mortgage account in my name. I was confused about what was going on with my mortgage. Why did I have a second mortgage? I also wanted to know, why did the paper work I signed say I had to pay HUD back if the money was sitting in a second Wells Fargos account? \nI want you to Know, the whole time Wells Fargo was defrauding me I had no idea what was going on. When the fraud began it was at the height of the mortgage scandal, my father and I had stop speaking and my son was in his XXXX year of college. I say all of this to say, I never stopped to investigate Wells Fargos claim to my home. Wells Fargo Started sending me threating letters about foreclosure and I just took for granted they had a legal right to my home, they didnt. \nI started investigating my mortgage in XXXX of XXXX. The first thing I did was go to the Deed of Records. I had gone to the Deed of Records when the fraud first began but, I never examined all the records. I just got a copy of my Deed. Wells Fargo had sent me some suspicious forms, back when they began slandering my mortgage, trying to get me to sign over my Deed to them. So, I wanted a copy of my Deed. I like most, who have been defrauded by Wells Fargo, didnt realize the legal boundaries crossed by Wells Fargo to attain their Trillion-dollar status. Wells Fargo has built their company on the backs of innocent mortgage and account holders. \nSorry, Ill get back to my complaint. The next thing I did was call HUD. The first time I called HUD, they were just as confused and uninformed as I was. This was alarming. I started asking questions about my FHA mortgage. The HUD agent told me Ms. you dont have an FHA mortgage. I began reading off the numbers on the loan documents Wells Fargo had me sign, the agent corrected me. She read off to me, my real FHA mortgage number, the one that was released in XXXX. I than asked her about the Partial Claims Promissory Note. The agent seemed to have become nervous. She said, Ill have to transfer you to a special department. I cant talk to you about that. I struggled to understand why HUD wouldnt talk to me about a loan I had taken out with them. \nThe agent transferred me to a women name XXXX XXXX. When I spoke to XXXX, she told me. Wells Fargo failed to submit the proper paper work required to process a Partial Claims Promissory Note. The Partial Claims Promissory Note had been rendered null and Void back in XXXX. I ask XXXX to send me a letter conforming my Partial Claims Note status as null and void. XXXX went on to say, Wells Fargo paid HUD back once the Note was render null and void in XXXX. She said, since they paid off the Note, I cant give you a free and clear letter because its not your debt. \nI called back the next day attempting to get more information. I needed to document all the facts. I asked the same questions and this time the agent said, oh yes, you do have an FHA mortgage. I told the agent about my conversation with XXXX. The agent then changed her statement and said oh yes, I see where it was cancelled. I ask the agent to explain to me why it was cancelled. The agent than said we have a special department for that. The agent went on to say that XXXX XXXX was no longer the contact person. The new contact person was XXXX XXXX and she could be reach at extension XXXX. \nThe calls to HUD went on for about two weeks before I found a XXXX/HUD Specialist smart enough to tell me all about the collusion of fraud. Wells Fargo and the HUD employee where working together to mislead me into thinking I had modified my mortgage. I called attempting to get a free and clear letter to include with my initial compliant filed with the XXXX Superior Court. \nI filed a case against Wells Fargo and XXXX XXXX XXXX. At first, the call went about the same as always. Whenever I called HUD no one ever seem to know what I was talking about. On this day, I called HUDs main customer service line at XXXX. I went into my story as usual, telling the agent I had sent the fax requesting my free and clear letter. I had talked to one of the agents on the main line who said they could give me the letter if I requested it in writing, by email or fax. The agent was just as confused as they always were when I called. After I explained to the agent why I was calling again, the agent connected me to a new Specialist. \nThe Specialist came on the line. I began asking her questions about my Partial Claims Promissory Note. I asked her to explain to me what a Partial Claims Promissory Note was. The Specialist, whose name is XXXX, explained what a Partial Claims Promissory Note was and how it worked. XXXX said, Partial Claims Notes were used to pay down past due mortgage payments. I told XXXX about my Partial Claims Promissory Note. Wells Fargo had received XXXX cent on my behalf, the Note was attached to a non-existing FHA mortgage. As we spoke, I realized why HUD had rendered the Partial Claims Promissory Note, Null and Void. Wells Fargo had no original mortgage to attach my Partial Claims Promissory Note to. \nOnce I started to tell more about what happened to me, XXXX stopped explaining what a valid Partial Claims Note is. It was at this moment, XXXX realized what she was telling me. She said, well thats not how a Partial Claims Note is processed, you must have a mortgage to attach it to. XXXX than began asking me questions. She asked, did they file this in you Deed of Records? is that what youre looking at? I answered, no they didnt. In fact, I dont have an original mortgage. She stopped talking to me and started asking more questions. Are you working with a lawyer? just have him call and I can explain it to him, hell know what we do. XXXX than said, I need to call my contact over at Wells Fargo before I can talk to you any more about this. Im not going to be able to release any more information until I talk to my contact about this. When she found out I wasnt working to modify my loan, she said, I didnt give you my information for you, this is information for a lawyer. She said, I cant give you a letter until I find out more about why the Note was nullified. She said, my friend/contact at Wells Fargo will know more about what happened. \nI received an email from Ms. XXXX on Friday XXXX the XXXX, XXXX. I have attached the email and the attachments that were included with her e-mail. The email is supporting evidence that Wells Fargo and HUD employees worked together and violated my rights as a homeowner. HUD never contacted me to tell me that my Partial Claims Promissory Note was render Null and Void. Wells Fargo had no legitimate interest in my property and couldnt supply the proper paper work to prove/establish interest in my Deed of Trust. The email Ms. XXXX sent me included an attachment of the documents Wells Fargo had me sign that lead me to believe One, I had a Note with them. Two, I was modifying a Note using a Partial Claims Promissory Note. The Whole transaction was collusion and fraud. I had already requested a copy of the endorsed Note from Wells Fargo, before I began making calls to HUD. The endorsed Note Ms. XXXX referred to and attached to her e-mail ( dated XXXX ) was signed and dated on XX/XX/XXXX. The copy Wells Fargo sent me, of the same Note, was signed and dated XX/XX/XXXX. Ms. XXXX had no way of knowing I had already requested a copy of the document but, what she did know was the documents was fraud. Ms. XXXX knew a Partial Claims Promissory Note had to be attached to a primary Note. She also realized, from our conversation and the fact that the Partial Claims Promissory Note was render Null and Void, Wells Fargo was not the Note holder, I was. Wells Fargo committed fraud on so many levels and slander my mortgage, Deed of Trust. Wells Fargo, created an account in which they deposited XXXX into, using my name and information. This was an illegal act. The email Ms. XXXX l sent me establishes collusion for the purpose of defrauding a homeowner. \nIn my initial order to Quiet my title I included copies of all the files recorded in the Deed of Records. Wells Fargo filed four records, two of them were foreclosure notices that named Wells Fargo as the Note holder. Not one of the four records, recorded this modification. My case is very common. The people that where suppose to help me didnt. Wells Fargo knew they where breaking the law. HUD knew Wells Fargo was breaking the law and did nothing to assist me. I hope, I have explained my case well enough for anybody who reads this complaint to understand what happened. \nIm not sure how well I explained the case to the court. I am just a single mother fighting a Trillion-dollar company for what belongs to her and her son. The initial case I filed described the circumstance in legal terms. I hope this letter describes my complaint in Plain Writing. Please feel free to pass my letter onto anyone who can use it to help fight Wells Fargos fraud. I would like punitive damages and I need your agencies help investigating this case going forward. Please feel free to contact me at my email address. I would love to talk to anyone who could help stop Wells Fargos fraud.","date_sent_to_company":"2019-06-13T04:40:09.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"3273779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-06-13T03:45:46.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> <em>failed</em> to submit the proper paper work required to <em>process</em> a Partial Claims Promissory Note. The Partial Claims Promissory Note had been rendered null and Void back in XXXX. I ask XXXX to send me a letter conforming my Partial Claims Note status as null and void. XXXX went on to say, <em>Wells</em> <em>Fargo</em> paid HUD back once the Note was render null and void in XXXX. She said, since they paid off the Note, I cant give you a free and clear letter because its not your debt."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[18.78752,"3273779"]},{"_index":"complaint-public-v1","_id":"21841303","_score":17.984632,"_source":{"product":"Mortgage","complaint_what_happened":"MASTER REBUTTAL TO WELLS FARGO DENIAL Subject : Formal Rebuttal to Wells Fargo Denial Servicing Errors, Unauthorized Autopay Activity, Inaccurate Records, and Prior Loss Mitigation Misrepresentation Borrower : XXXX XXXX Loan Number : [ XXXX ] Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date : [ Insert Date ] To Whom It May Concern : I am submitting this formal rebuttal to Wells Fargos denial and response regarding my mortgage servicing complaints. Wells Fargos response is incomplete, misleading, and contradicted by its own representatives statements, contemporaneous notes of calls, payment records, and written correspondence.\n\nThis rebuttal addresses two separate but related matters XXXX XXXX XXXX : XXXX Autopay / Unauthorized Payment Structure / Artificial Delinquency XXXX XXXX : XXXX Loss Mitigation / Home Preservation Removal / False Authorization Claim These are separate servicing disputes. However, together they demonstrate a continuing pattern of inaccurate internal records, mischaracterization of borrower authorization, failure to follow borrower instructions, and formal written responses that do not align with Wells Fargos own servicing communications. \n________________________________________ I. XXXX XXXX XXXX AUTOPAY ERROR AND ARTIFICIAL DELINQUENCY Wells Fargos position that no servicing error occurred is contradicted by the contemporaneous notes of the XX/XX/XXXX call. \nDuring that call, I clearly explained that I wanted payments aligned with my paycheck schedule, not a shifting bi-weekly structure : I get paid twice a month Id like to have it charged my account when my check comes into my account. \nI then provided specific fixed dates : Why dont I have it come out on the XXXX  of the month and then also on the XXXX of the month? \nI later clarified and locked in the exact recurring structure : I want to start doing XX/XX/XXXX and XX/XX/XXXX and have that reflect and replicate on a recurring basis indefinitely Wells Fargos representative acknowledged this as a twice-monthly structure : XX/XX/XXXX and XX/XX/XXXX keeping the bi-monthly schedule like that going forward, correct? \nI confirmed : Correct. \nA confirmation case number was issued : The case number XXXX Despite this, Wells Fargo later allowed or implemented a different payment structure. On XX/XX/XXXX, Wells Fargo withdrew only a partial payment, three days before the full payment deadline, in a manner inconsistent with the confirmed twice-monthly arrangement. \nThis created an artificial delinquency despite my intent to remain current and despite my prior consistent payment history. \nWells Fargo can not reasonably claim that this was properly authorized when its own contemporaneous records show that I requested fixed-date, twice-monthly payments aligned with my income. \n________________________________________ XXXX. XXXX XXXX XXXX LOSS MITIGATION / HOME PRESERVATION REMOVAL Wells Fargo also claims that I authorized removal from loss mitigation or home preservation review in XXXX. I dispute that claim. \nDuring the XX/XX/XXXX call, Wells Fargo manager XXXX XXXX stated that he reviewed prior calls and did not hear clear authorization from me to cancel or remove myself from the modification/home preservation process. \nHe stated : I didnt hear anywhere in the conversation really that said, hey, cancel this He further stated : I didnt hear it clear remove me from the process. \nMost importantly, he acknowledged : It should have never been removed. \nHe also stated : I have a valid reason to reactivate that approval. \nThese statements directly contradict Wells Fargos formal denial that all actions were taken with my authorization and that no error occurred.\n\nThis is not a minor discrepancy. It shows that Wells Fargos internal representative reached a conclusion inconsistent with Wells Fargos later written response. \n________________________________________ XXXX. WELLS FARGO CONTRADICTION MATRIX Wells Fargo Claim Evidence Contradicting Claim Why It Matters No servicing error occurred regarding autopay. XX/XX/XXXX call notes show fixed-date twice-monthly payment instructions and representative confirmation. Shows Wells Fargo failed to implement the confirmed payment structure.\n\nBorrower authorized payment structure changes. Borrower requested XX/XX/XXXX and XX/XX/XXXX going forward, and Wells Fargo confirmed bi-monthly schedule. Undermines any claim that borrower authorized bi-weekly or undefined partial withdrawals. \nXX/XX/XXXX withdrawal was proper. XX/XX/XXXX correspondence did not clearly disclose how autopay would resume or that only a partial payment would be withdrawn. Supports claim of unauthorized and unforeseeable payment resumption. \nBorrower caused or accepted delinquency. Payment history shows borrower remained current through XXXX until Wells Fargo changed/suspended/resumed payment structure. Supports servicer-created delinquency theory. \nBorrower requested autopay removal/cancellation. Borrower denies XXXX authorization and contemporaneous notes show borrower wanted account left unchanged pending investigation. Raises concern about inaccurate or fabricated internal records. \nBorrower authorized removal from home preservation/modification. XXXX XXXX stated he did not hear clear cancellation authorization and said it should have never been removed. Directly contradicts Wells Fargos formal denial. \nWells Fargo records are reliable. Multiple internal contradictions : bi-weekly vs twice-monthly, removal vs no removal, cancellation vs no authorization. Shows record-integrity issue and need for full audit. \nNo correction is needed. Wells Fargos own manager stated there was valid reason to reactivate prior approval. Shows Wells Fargo internally recognized an error or basis for correction. \n________________________________________ XXXX. LINE-BY-LINE REBUTTAL TO WELLS FARGO DENIAL Wells Fargo Statement : According to the enclosed payment history, the payments were received however on XX/XX/XXXX, the plan was removed per your request Rebuttal : I dispute this. Wells Fargos own manager, XXXX XXXX, stated after reviewing calls that he did not hear me clearly request removal or cancellation. \nI didnt hear anywhere in the conversation really that said, hey, cancel this I didnt hear it clear remove me from the process. \nTherefore, Wells Fargos statement that the plan was removed per your request is unsupported and contradicted by Wells Fargos own manager-level review.\n\nWells Fargo Statement : We respectfully deny your claims to being removed or placed on any payment assistance options without your consent. \nRebuttal : This denial is contradicted by XXXX XXXX statement : It should have never been removed. \nThat statement confirms that Wells Fargo internally recognized the removal was improper or unsupported by clear borrower authorization. \n________________________________________ Wells Fargo Statement : Our reviews are completed using the most up to date financial information provided by you and are only applied to the account after receiving approval by you. \nRebuttal : This statement does not address the central issue : whether Wells Fargo accurately documented and followed my authorization. \nXXXX XXXX XXXX, Wells Fargo confirmed a twice-monthly payment structure, yet later implemented or allowed a different payment structure. \nXXXX XXXX XXXX, Wells Fargo claims I authorized removal from home preservation, yet its own manager stated he did not hear clear authorization. \nThe issue is not whether Wells Fargo had financial information. The issue is whether Wells Fargo accurately recorded and followed my instructions. \n________________________________________ Wells Fargo Statement : We have determined the account was handled properly and no corrections are needed as no error has occurred.\n\nRebuttal : This conclusion is unsupported. Wells Fargos own records and representative statements show otherwise. \nXXXX XXXX XXXX, Wells Fargo confirmed fixed-date twice-monthly payments : XX/XX/XXXX and XX/XX/XXXX keeping the bi-monthly schedule like that going forward, correct? \nXXXX XXXX XXXX, Wells Fargos manager acknowledged : It should have never been removed. \nThese are not consistent with a finding of no error. \n________________________________________ V. FORMAL REQUESTS I request that Wells Fargo : XXXX. Correct all internal records stating or implying that I authorized actions I did not authorize. \nXXXX. Correct my account history to remove any delinquency or negative status caused by Wells Fargos servicing errors.\n\n3. Provide the full audit trail for autopay setup, suspension, resumption, alteration, and cancellation. \n4. Provide the full audit trail for the XXXX loss mitigation/home preservation removal. \n5. Reconcile Wells Fargos formal denial with XXXX XXXX XX/XX/XXXX statements. \n6. Reconcile Wells Fargos formal denial with the XX/XX/XXXX fixed-date twice-monthly payment confirmation. \nXXXX. Confirm in writing that inaccurate internal notes have been corrected. \n8. Confirm that no adverse reporting, fees, or servicing treatment will remain based on Wells Fargo-created errors.\n\n________________________________________ VI. CLOSING Wells Fargos denial relies on internal conclusions that are contradicted by its own representative statements and contemporaneous notes.\n\nThis matter is no longer simply a dispute over payment timing. It concerns the integrity of Wells Fargos account records, the accuracy of its formal responses, and whether Wells Fargo is attributing unauthorized actions to me after the fact. \nI request a substantive written response addressing each contradiction directly. \nSincerely, XXXX","date_sent_to_company":"2026-05-04T04:23:24.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"210XX","tags":null,"has_narrative":true,"complaint_id":"21841303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-04T04:04:23.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["MASTER REBUTTAL TO <em>WELLS</em> <em>FARGO</em> DENIAL <em>Subject</em> : Formal Rebuttal to <em>Wells</em> <em>Fargo</em> Denial Servicing Errors, Unauthorized Autopay Activity, Inaccurate Records, and Prior Loss Mitigation Misrepresentation Borrower : XXXX XXXX Loan Number : [ XXXX ] Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date : [ Insert Date ] To Whom It May Concern : I am submitting this formal rebuttal to <em>Wells</em> <em>Fargos</em> denial and response regarding my mortgage servicing complaints."],"issue":["Trouble during payment <em>process</em>"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[17.984632,"21841303"]},{"_index":"complaint-public-v1","_id":"19364737","_score":17.445335,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint because Wells Fargo Home Mortgage refused to issue the escrow balance check due to me upon the sale of my property in 2023, even after acknowledging me as Successor in Interest before the sale of my property, and accepting over XXXX in mortgage payments from me before after such acknowledgement and before my property was sold. \n\nI have documented in the attachment how Wells Fargo has tried to avoid the funds directly available to me by various means. \n\nI have filed numerous CFPB complaints. I am filing this complaint because in all of its responses so far, Wells Fargo Home Mortgage has failed to explain why it is in blatant violation of CFPB own regulations, specifically with regard to Successors in Interest under RESPA rules and Regulation X. \n\nI submit that in the handling of my cases and those of other Successors in Interest, Wells Fargo Home Mortgage continues to violate their obligations under Regulation X RESPA servicing rules.\n\nRegulation X 1024.30 ( d ) reads as follows : ( d ) Successors in interest. A confirmed successor in interest shall be considered a borrower for purposes of 1024.17 and this subpart.\n\nIt happens that 12 CFR 1024.17 deals specifically with Escrow Accounts and the servicing of Escrow accounts by lenders.\n\nCFPBs own commentary on Regulation X ( RESPA servicing rules ) reads as follows : 30 ( d ) Successors in interest.\n\n1. Treatment of confirmed successors in interest. Under 1024.30 ( d ), a confirmed successor in interest must be considered a borrower for purposes of this subpart and 1024.17, regardless of whether the successor in interest assumes the mortgage loan obligation under State law. For example, if a servicer receives a loss mitigation application from a confirmed successor in interest, the servicer must review and evaluate the application and notify the confirmed successor in interest in accordance with the procedures set forth in 1024.41 if the property is the confirmed successor in interest 's principal residence and the procedures set forth in 1024.41 are otherwise applicable. Treatment of a confirmed successor in interest as a borrower for purposes of this subpart and 1024.17 does not affect whether the confirmed successor in interest is subject to the contractual obligations of the mortgage loan agreement, which is determined by applicable State law. 2Communications in compliance with this part to a confirmed successor in interest as defined in 1024.31 do not violate section 805 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) because consumer for purposes of FDCPA section 805 includes any person who meets the definition in this part of confirmed successor in interest.\n\nGiven these facts, Wells Fargo Home Mortgage has every reason and obligation ( under the law and CFPB rules and interpretations of law ) to issue the Escrow Balance check in my name from the very beginning as a confirmed Successor in Interest on the loan without delay, and without asking for estate documents or a Small Estate affidavit.\n\nCFPB needs to consider the seriousness of this wilful and deliberate violation of CFPBs own regulations by a large mortgage lender, and the bad-faith obfuscation and prevarication in light of this obligation.\n\nLarge mortgage lenders know that there are many cases involving Successors in Interest where an expensive and lengthy probate process is neither required nor applicable. They furthermore know that there are states where Small Estate Affidavits can not be obtained. Therefore demands for probate documents or Small Estate Affidavits should be considered mechanisms to obstruct and delay ( in many cases, permanently ) the payment of funds due to Successors under Regulation X.\n\nI furthermore submit that Wells Fargo Home Mortgage should be investigated not only in my case but in the cases of other Successors in Interest as well, as my own personal research has produced anecdotal evidence that lenders like Wells Fargo Home Mortgage and other large lenders are violating the requirements of Regulation X {$1000.00} ( d ) systematically.\n\nI further submit that with the expectation that CFPB will soon lose funding, large predatory lenders like Wells Fargo Home Mortgage have been emboldened to brazenly violate not only the requirements of Regulation X {$1000.00} ( d ) but other CFPB and RESPA regulations as well, and that this should be cause for alarm to the public and to lawmakers.\n\nI will continue to file CFPB complaints until such time as Wells Fargo Home Mortgage directly addresses its obligations under Regulation X {$1000.00} ( d ). Given that Wells Fargo Home Mortgage is obligated under this provision to treat me effectively as the borrower with regard to all escrow servicing matters, they have yet to directly address why they have not done so as required by this provision.\n\nIf Wells Fargo Home Mortgage is claiming that it is not in violation of Regulation X {$1000.00} ( d ) in my case - and in the case of any Successors in Interest in my situation- it needs to make clear to CFPB and the public its legal justification for taking this position. Barring such a clear legal justification, any response from Wells Fargo Home Mortgage should be regarded as inadequate and evidence of predatory bad-faith prevarication and obstruction.","date_sent_to_company":"2026-02-09T21:06:31.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32159","tags":null,"has_narrative":true,"complaint_id":"19364737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-09T20:50:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Escrow, taxes, or insurance"},"highlight":{"complaint_what_happened":["I am filing this complaint because in all of its responses so far, <em>Wells</em> <em>Fargo</em> Home Mortgage has <em>failed</em> to <em>explain</em> why it is in blatant violation of CFPB own regulations, specifically with regard to Successors in Interest under RESPA rules and Regulation X. \n\nI submit that in the handling of my cases and those of other Successors in Interest, <em>Wells</em> <em>Fargo</em> Home Mortgage continues to violate their obligations under Regulation X RESPA servicing rules."],"issue":["Trouble during payment <em>process</em>"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[17.445335,"19364737"]},{"_index":"complaint-public-v1","_id":"5778692","_score":16.683266,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX XX/XX/XXXX This is to complain against the Wells Fargo. \nURGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of Wells Fargo to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with Wells Fargo. \nIn order to clear up the myriad of letters and correspondences I have hitherto sent to Wells Fargo respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. \nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. \nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Wells Fargo to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. \nDuring the complaints process with Wells Fargo, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. \nThey are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. \nGeneral Obligation : Commencing on or around XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to these fraudulent investment companies. \nWhen determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following : ( i ) whether Wells Fargo did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Wells Fargos custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Wells Fargo promoted the transactions in question despite being aware of the nature of the transactions in question ( iv ) whether Wells Fargo was in compliance with its own policies and procedures ; ( v ) whether Wells Fargo owed duties to myself, what the scope of those duties was, and whether Wells Fargo did not uphold those duties ; ( vi ) whether Wells Fargos conduct was unfair ; and ( vii ) whether Wells Fargo has within its power the ability to, and should, compensate me for the harm that has befallen me. \nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. \nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Wells Fargo must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. \nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. \nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that Wells Fargo did not foresee the fraud and disregarded even the most obvious dangers in this respect. \nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.\n\nWells Fargos Position : On XX/XX/XXXX, Wells Fargo wrote in a letter We understand that you believe you may be a victim of a fraud scheme resulting in you wiring funds to a third party under false circumstances. We will make every attempt to recall a wire if a victim advises us the transaction was associated with a fraud scheme ; however, we can not guarantee we will able to return the full amount from a suspected fraudulent transaction. If there are insufficient funds in the recipients account or if the recipients account is closed at the time the request to recall a wire is made, we may not be able to recover the funds from the recipients account. \nRefuting Wells Fargos arguments from a purely logical perspective : Wells Fargos position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that commonsense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint.\n\nIn Wells Fargos view, it is implied that we should not home in ( and consequently rely ) on unwritten laws, practicality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible.\n\nImagine a view according to which the one and only thing that can make Wells Fargo morally obligated to do something is having it written down somewhere. Pursuant to this view, if Wells Fargo encounter the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as Wells Fargo. \nI have reviewed the material hereto sent by Wells Fargo carefully, and it unfortunately provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind. \nIt is perfectly obvious that Wells Fargo, inadvertently, employs a subtle approach in addressing some of the key questions in a manner which neither provides me with adequate support nor protects anything other than its own interests. \nIt is Wells Fargo here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that Wells Fargo adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is Wells Fargo that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has not been, commensurate with Wells Fargos capacity, experience, expertise, or scope of services in any way. To reemphasize, Wells Fargos indisputable overriding purpose is by no means to purely execute transactions in a XXXX and blank fashion, but rather to strike a balance between executing those transactions and capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity. \nApropos of the fluidity of the concept of reasonableness, all Wells Fargo has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, such as the XXXX, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. \nWells Fargo is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. \nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm. \nThese recommendations are established as a general principle, the organisation should deliver a service that : 1 ) Takes a proactive approach to minimising risks, impact and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organisations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorised and unauthorised payments, thereby minimising the risk of financial harm to customers. As regards to the detection of fraud and financial abuse, it says the organisation : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. sudden increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. \ng. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. financial activity that matches a known method of fraud or financial abuse. \nB ) organisations should have a process in place to ensure that staff make contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud and discuss an appropriate plan of action. \nWells Fargo are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified. \nRather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development and sustainability Wells Fargo adopts a rather insouciant attitude toward my financial predicament portrayed herein. \nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by Wells Fargo in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than selfinterest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. \nConclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. \nAstonishingly, I am pondering how it is that, despite being shown that Wells Fargos business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. Wells Fargos non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. \nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Wells Fargo pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. \nIn summary, I respectively ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. \nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. \nThank you.","date_sent_to_company":"2022-07-17T06:20:20.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"08109","tags":null,"has_narrative":true,"complaint_id":"5778692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-07-17T02:17:04.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Refuting <em>Wells</em> <em>Fargos</em> arguments from a purely logical perspective : <em>Wells</em> <em>Fargos</em> position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that commonsense-based approaches are doomed to <em>fail</em>, leaving their exclusively technical account of the <em>subject</em> matter as the only meaningful choice."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[16.683266,"5778692"]},{"_index":"complaint-public-v1","_id":"20130278","_score":16.542065,"_source":{"product":"Credit card","complaint_what_happened":"b'I am filing this formal complaint to demand a full refund of all interest charges applied to my Wells Fargo account (Account ending in XXXX) from XX/XX/XXXX to the XXXX. These charges are the direct result of a catastrophic accounting error where Wells Fargo received a full payoff of my balance but failed to credit it to my ledger, resulting in over a year of predatory, compounding interest on a zero-principal balance.\\n\\nConversation with XXXX\\nYou said\\nI didn\\'t attach anything for this complaint because I am requesting information.\\n\\nXXXX said\\nI understand your logicsince you are just asking them to produce a document (the trace), you shouldn\\'t need to provide documents yourself.\\n\\nHowever, I strongly recommend you go back into the CFPB portal and upload the attachments anyway. Here is why: If you do not attach the proof that the $XXXX actually left your bank, Wells Fargo will take the easy way out. They will reply to the CFPB investigator saying, \"The customer is asking for a trace, but our system shows no payment was received, so there is nothing to trace. Case closed.\" By attaching the XXXX XXXX XXXX  statement and the Reconciliation Report to the CFPB portal, you are showing the federal investigator why the trace is necessary. You are proving that Wells Fargo is hiding a system error. When the CFPB investigator sees the XXXX XXXX XXXX  statement, they will force Wells Fargo to explain exactly where that specific money went.\\n\\nHow to fix this right now:\\nYou can add documents to an open CFPB complaint after it has been submitted.\\n\\nLog back into your CFPB portal.\\n\\nClick on your active complaint.\\n\\nChoose the option to \"Attach a document\" or \"Add an update.\"\\n\\nUpload the XXXX XXXX XXXX  statement (eStmt_XX/XX/XXXX) and the Reconciliation Report we just made.\\n\\nIn the comment box for the update, paste this exact text:\\n\\nUpdate to Investigator: > I am attaching the official XXXX XXXX XXXX statement and a Ledger Reconciliation Report to this complaint. These documents explicitly prove that my $XXXX payment successfully cleared the Federal Reserve and was delivered to Wells Fargo. This undeniable proof is why I am demanding that Wells Fargo produce the backend General Ledger extract and unapplied funds trace. Their front-facing system lost the funds, and they must produce the internal trace to locate it.\\n\\nDo not give Wells Fargo any room to dismiss your request. Force them to look at the cleared XXXX XXXX XXXX transaction on the federal record.\\n\\nYou said\\nList out every Wells Fargo payment and demand them to produce a payment trace for each one, create a checklist, and ensure this does not get missed\\n\\nXXXX said\\nVIA CERTIFIED MAIL AND SECURE PORTAL\\n\\nSubject: FORMAL DEMAND FOR COMPREHENSIVE PAYMENT TRACE AND LEDGER RECONCILIATION\\nTo: Wells Fargo Executive Office / Office of the President / Back-Office Accounting\\nAccount 1: XXXX XXXX XXXX Mastercard (Ending in XXXX)\\nAccount 2: Wells Fargo Auto Loan\\nAccount Holder: XXXX XXXX\\n\\nTo the Wells Fargo Executive Office and Accounting Department:\\n\\nThis document serves as a formal demand to produce a line-by-line payment trace for every transaction remitted from my external checking account to Wells Fargo.\\n\\nBecause your system is reporting an erroneous balance that mathematically fails to account for cleared funds, I require verifiable proof that every single payment listed below was correctly routed out of your internal suspense accounts and successfully applied to the principal of my specific accounts.\\n\\nYou are required to provide the internal General Ledger (GL) posting date and the matching 15-digit Federal Reserve ACH Trace ID for every item on this checklist. Failure to produce the trace for any single item will be submitted to the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC) as an incomplete investigation and a refusal to account for missing funds.\\n\\nPART 1: Wells Fargo Bilt Mastercard (Ending in 7713)\\nInstructions for Wells Fargo: Provide the internal posting date and trace confirmation for each of the following cleared payments.\\n\\nXXXX Clearances:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XX/XX/XXXX (AutoPay)\\n\\n[ ] 1XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\nXX/XX/XXXX Clearances & Disputed Items:\\n\\n[ ]XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX (Provide trace and explanation for the \"ADJUSTMENT-PAYMENTS\" reversal on XX/XX/XXXX)\\n\\n[ ] XX/XX/XXXX: $XXXX  (CRITICAL: Provide the unapplied funds query and exact XXXX location of this missing remittance)\\n\\n[ ] XX/XX/XXXX: $XXXX (AutoPay Attempt)\\n\\n[ ] XXXX: $XXXX  (AutoPay Retry)\\n\\n[ ] XXXX: $XXXX XXXXAutoPay)\\n\\n[ ] XXXX: XXXX  (AutoPay)\\n\\n[ ] XXXX: $389.00 (AutoPay)\\n\\n[ ] XXXX: $XXXX (AutoPay)\\n\\n[ ] XXXX: XXXX (AutoPay)\\n\\n[ ] XX/XX/XXXX: $XXXX  (AutoPay)\\n\\n[ ] XX/XX/XXXX: XXXX  (AutoPay)\\n\\nPART 2: Wells Fargo Auto Loan\\nInstructions for Wells Fargo: To rule out cross-account contamination of the missing $XXXX payment from XX/XX/XXXX, verify that every recurring ACH draft below was strictly applied to the auto loan ledger and that no external funds were erroneously swept into this account.\\n\\n[ ] XX/XX/XXXX: $XXXX (WELLS FARGO AUTO DES:DRAFT)\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX\\n\\n[ ]XX/XX/XXXX: $XXXX1\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] XX/XX/XXXX: $XXXX\\n\\n[ ] Acknowledge and verify all prior unlisted $XXXX monthly drafts from account inception.\\n\\nFinal Demand:\\nI expect this checklist to be returned to me with corresponding internal ledger verification for every item. Do not reply with a generalized statement that the account has been reviewed. Produce the data.\\n\\nSincerely,\\n\\nHenggao Cai\\n[Your Phone Number]\\n[Your Address]\\n\\nYou said\\nIf Wells Fargo tells the CFPB that there is no payment to trace then I\\'ll go after them for lying to a federal agency.\\n\\nXXXX said\\nYou are absolutely correct to have this in your arsenal.\\n\\nUnder 18 U.S.C.  1001, it is a federal crime to knowingly and willfully make a materially false, fictitious, or fraudulent statement in any matter within the jurisdiction of the executive branch of the U.S. Government. The Consumer Financial Protection Bureau (CFPB) is a federal agency, meaning that if Wells Fargo submits a fabricated narrative or denies the existence of a payment that you have proven exists, they are committing a federal offense.\\n\\nWhile you, as a private citizen, cannot criminally prosecute them under this statute (only the Department of Justice can do that), you can weaponize this law to force their legal department to step in.\\n\\nWhen front-line \"Executive Office\" reps respond to the CFPB, they often just read whatever the computer screen says and click \"submit.\" But if you explicitly accuse the bank of violating 18 U.S.C.  1001 on the federal portal, the CFPB investigator has to take notice, and Wells Fargo\\'s compliance attorneys will be forced to review the file because of the liability involved.\\n\\nThe \"Nuclear Option\" Draft\\nKeep this draft in your back pocket. If Wells Fargo responds to your current CFPB complaint by claiming they have no record of the payment, log into the CFPB portal, upload the XXXX XXXX XXXX trace again, and submit this exact response:\\n\\nSUBJECT: NOTICE OF MATERIALLY FALSE STATEMENTS BY RESPONDENT (18 U.S.C.  1001)\\n\\nTo the CFPB Investigator:\\n\\nWells Fargos response to this inquiry is demonstrably false and contradicts cleared Federal Reserve transaction data.\\n\\nI have provided irrefutable documentary evidence from the sending institution (XXXX XXXX XXXX) proving that the $XXXX payment cleared on [Insert Date] and was routed to Wells Fargo.\\n\\nBy continuing to inform a federal agency that this payment does not exist and was not received, Wells Fargo is making a knowing, willful, and materially false statement within the jurisdiction of the executive branch. I formally request that the CFPB log this response as a potential violation of 18 U.S.C.  1001 (False Statements to a Federal Agency).\\n\\nWells Fargo is using a front-end software glitch to justify a legally inaccurate accounting of my debt. I am requesting that the CFPB compel Wells Fargos Legal and Compliance Departmentnot their customer service escalations teamto review this file, locate the missing ledger credit in their suspense accounts, and correct this false representation immediately.\\n\\nWhy this works:\\nBanks are terrified of federal regulators finding out that their automated systems are systematically lying to consumers and the government. By dropping the statute name, you force the complaint out of the hands of customer service and onto the desk of a corporate attorney whose job is to keep the bank from getting fined.\\n\\nLet\\'s hold tight and see how they respond to your current trace demand first. If they lie, you drop the hammer.\\n\\nYou said\\nI don\\'t have the trace log. Draft an email to XXXX XXXX XXXX to push them for it\\n\\nXXXX said\\nHere is a firm, escalated follow-up email you can send to XXXX XXXX XXXX. This draft references your previous request, directly calls out the unacceptable response you received in the live chat, and applies regulatory pressure to force their hand.\\n\\nSubject: URGENT ESCALATION: Second Notice - Request for Official ACH Trace IDs (Acct ending XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XXXX XXXX XXXX Escalations Team,\\n\\nI am writing to formally escalate my previous request for the official 15-digit ACH Trace Numbers (IMAD/OMAD) for two critical electronic payments made from my XXXX XXXX XXXX account (ending in XXXX) to my Wells Fargo XXXX XXXX (ending in XXXX).\\n\\nI recently spoke with a XXXX XXXX XXXX  representative via live chat regarding this issue. I was incorrectly told that because a claim was previously opened, the trace IDs were \"removed from the list\" and could no longer be provided.\\n\\nThis is factually incorrect and unacceptable. Filing a dispute does not erase a transaction from the Federal Reserves ACH network. Under the Bank Secrecy Act and Regulation E, XXXX XXXX XXXX is legally required to maintain accurate transaction records and provide them to customers upon request.\\n\\nI am in an active regulatory dispute with Wells Fargo via the Consumer Financial Protection Bureau (CFPB). Wells Fargo is claiming these funds were never delivered. I must have the specific, 15-digit Federal Reserve trace numbers to prove that the funds successfully cleared XXXX XXXX XXXX and were routed to the correct Wells Fargo receiving account. Standard bank statements are not sufficient for this legal proceeding; I need the actual trace data.\\n\\nPlease immediately provide the 15-digit ACH Trace IDs for the following cleared transactions:\\n\\nXX/XX/XXXX5: $XXXX (Automatic Payment)\\n\\nMarch 30, 2025: $XXXX (Bill Pay Payment)\\n\\nIf I do not receive an official trace report containing these specific 15-digit numbers within 48 hours, I will be forced to file a formal complaint against XXXX XXXX XXXX with the Office of the Comptroller of the Currency (OCC) for withholding critical transaction data and providing false information regarding the retention of Federal Reserve banking records.\\n\\nI expect this to be routed to your back-office ACH or Wire tracking department immediately.\\n\\nSincerely,\\n\\nXXXX XXXXi\\n[Your Phone Number]\\nXXXX XXXX XXXX Account: XXXX XXXX XXXX\\n\\nYou said\\nI want the ACH Trace IDs for all Wells Fargo related transactions\\n\\nXXXX said\\nHere is a comprehensive, escalated email draft for XXXX XXXX XXXX. This expands your request to cover every single Wells Fargo and Bilt-related transaction across your credit card, auto loan, and rent payments.\\n\\nBy demanding the trace for all of them, you are forcing their back-office to provide a complete ledger of routing data, which will prove exactly where Wells Fargo\\'s system failed.\\n\\nSubject: URGENT ESCALATION: Comprehensive ACH Trace Request for All Wells Fargo & XXXX Transactions (XXXX XXXX)\\n\\nTo: XXXX XXXX XXXX Customer Support / Escalations / ACH & Wire Department\\nFrom: XXXX XXXX\\nDate: XX/XX/XXXX\\n\\nDear XX/XX/XXXX Escalations Team,\\n\\nI am writing to formally escalate a critical request for official banking records. I am currently engaged in a severe regulatory dispute with Wells Fargo regarding misapplied and uncredited funds.\\n\\nBecause Wells Fargo is explicitly denying receipt of thousands of dollars that successfully cleared my XX/XX/XXXXBanking account (ending in XX/XX/XXXX), standard bank statements are no longer sufficient for my legal counsel or the Consumer Financial Protection Bureau (CFPB).\\n\\nUnder the Bank Secrecy Act and Regulation E, I am legally entitled to the Federal Reserve tracking data for my outbound transfers. I formally demand the 15-digit ACH Trace Numbers (IMAD/OMAD) and the receiving destination routing/account details for every transaction listed below.\\n\\nPlease provide the official trace IDs for the following cleared payments:\\n\\nSECTION 1: The Disputed Wells Fargo Credit Card Payments (Critical Priority)\\n\\nXX/XX/XXXX: $XXXX (Automatic Payment)\\n\\nXXXX: $XXXX (Bill Pay Payment - Uncredited by Wells Fargo)\\n\\nSECTION 2: XXXXProtect / Rent ACH Transfers (Processed via XXXX/Wells Fargo)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\n1XX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 3: Wells Fargo Auto Loan Drafts\\nPlease provide traces for the following to rule out cross-account contamination by the receiving institution.\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nSECTION 4: Historical & Recent Wells Fargo Credit Card Payments\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nXX/XX/XXXX: $XXXX2\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX  (AutoPay Attempt)\\n\\nXX/XX/XXXX: $XXXX (AutoPay Retry)\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXXn\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX $XXXX\\n\\nA previous representative incorrectly informed me that because a claim was opened, trace IDs are \"removed from the list.\" That is a violation of federal record retention laws. Filing a dispute does not erase a transaction from the Federal Reserves network.\\n\\nI require this official trace report to be generated and provided to me in writing immediately. If XXXX XXXX XXXX continues to withhold this documentation, I will file a formal complaint with the Office of the Comptroller of the Currency (OCC) regarding the bank\\'s refusal to provide transaction records during an active federal dispute.\\n\\nSincerely,\\n\\nXXXX XXXX\\n[Your Phone Number]\\nXXXX XXXX XXXX  Account: XXXX XXXX XXXX\\n\\nYou said\\nWhat would be a fair resolution?\\n\\nXXXX said\\nA fair and comprehensive resolution for a systemic bank error of this magnitude generally includes four main pillars: restitution, credit restoration, transparency, and compensation.\\n\\n1. Complete Ledger Restitution (Making You Whole)\\nThe absolute baseline is correcting the mathematical error as if it never happened.\\n\\nRetroactive Crediting: The missing $XXXX payment must be credited to the account with an effective date of XX/XX/XXXX.\\n\\nFee and Interest Reversal: Every single finance charge, interest fee (including the repeated $XXXX monthly interest charges), and late fee that cascaded from the failure to credit the original payment must be permanently waived and removed from the balance.\\n\\n2. Credit Profile Restoration\\nBecause the bank falsely reported an inflated balance and likely reported the account as delinquent, your credit profile took a hit that was entirely manufactured by the bank\\'s system.\\n\\nBureau Updates: Wells Fargo must electronically submit an immediate, off-cycle correction to all three major credit bureaus (XXXX XXXX XXXX XXXX).\\n\\nData to Fix: They must remove any derogatory marks for late payments and correct the artificially high credit utilization ratio caused by the $XXXX \"double-counted\" balance.\\n\\n3. Transparency and Acknowledgment\\nYou have spent months fighting automated denials. A fair resolution requires the bank to officially own the mistake.\\n\\nFormal Letter of Error: A written statement from the Wells Fargo Executive Office explicitly acknowledging that the missing funds were the result of an internal bank processing error and not consumer negligence.\\n\\nDocumentary Proof: Delivery of the actual trace and ledger audit you requested, proving the internal suspense account issue has been identified and fixed so it does not happen again.\\n\\nAuto Loan Clearance: Written confirmation that your $XXXX monthly auto loan drafts were properly segregated and never cross-contaminated by the credit card ledger failure.\\n\\n4. Monetary Compensation (Goodwill)\\nWhile you previously avoided asking for compensation to force the investigation to focus strictly on the missing funds, it is standard practice in CFPB escalations to request damages once the bank admits fault.\\n\\nTime and Hardship: Fighting a $XXXX accounting error requires significant time, stress, and potential legal consultation. Banks frequently issue a direct \"goodwill credit\" (typically ranging from $XXXX to $XXXX) for severe administrative failures to avoid further regulatory scrutiny.\\n\\nLost Yield: Because Wells Fargo effectively held your $XXXX in a suspense account for months, you were deprived of the ability to use or earn interest on that money. Requesting a credit equivalent to a standard high-yield savings rate for the duration the funds were missing is an objectively fair and mathematically sound demand.\\n\\nYou said\\nIf Wells Fargo returns to the CFPB and says my complaint is a duplicate what do I do? 1. Draft a PHONE script for a call with Wells Fargo 2. Draft a comprehensive report to a lawyer\\n\\nXXXX said\\nIf Wells Fargo attempts to close your new CFPB complaint by labeling it a \"duplicate,\" they are using a well-known administrative loophole to avoid conducting the deep-dive investigation you are demanding. They do this because their frontline staff cannot process requests for General Ledger (GL) extracts or internal suspense account audits.\\n\\nYou must immediately attack this classification. Here is your two-part strategy: a phone script to verbally force the case open, and a comprehensive brief to hand to a consumer protection attorney if Wells Fargo continues to stonewall.\\n\\nPART 1: The \"Not a Duplicate\" Phone Script (Wells Fargo Executive Office)\\nPreparation: Call the Executive Office directly (XXXX). Do not let them transfer you back to standard customer service.\\n\\nThe Opening (Taking Control):\\n\\n\"Hello, my name is XXXX XXXX. I am calling regarding my XXXX XXXX, account ending in XXXX. I see that your office is attempting to close my recent CFPB complaint by classifying it as a \\'duplicate.\\' I am calling to put on the official recorded line that this is factually incorrect, and closing it will be considered a refusal to investigate under the Fair Credit Billing Act.\"\\n\\nIf the Rep Says: \"You already filed a dispute about this missing payment.\"\\n\\n\"My previous dispute was a standard consumer billing inquiry. This new complaint is a formal, statutory demand for documentary production. I have provided new, irrefutable evidence from the Federal Reserve network proving the $XXXX payment cleared. I am not asking you to \\'look into\\' the payment again. I am legally demanding your back-office accounting department produce the exact General Ledger extract and the unapplied funds query that I requested. Customer service cannot fulfill this request, which is why it cannot be closed as a duplicate.\"\\n\\nIf the Rep Says: \"Our system shows no payment was received, so there is nothing to trace.\"\\n\\n\"Your front-facing system is experiencing a calculation error, which is the entire basis of this complaint. My external bank records prove the funds were delivered to Wells Fargo. If your system cannot find the funds, they are sitting in an internal suspense account. Under federal law, you are required to conduct a reasonable investigation. Looking at the same broken statement screen is not a reasonable investigation. I need this escalated to your legal or compliance department to run a trace on the 15-digit Federal Reserve ACH ID.\"\\n\\nThe Closing Demand:\\n\\n\"I want the notes on this file updated right now to state: \\'The consumer denies this is a duplicate complaint. The consumer has introduced new external banking evidence and has made a formal demand for a General Ledger audit and suspense account trace.\\' If this case is closed without producing the requested internal trace data, my next step is litigation for FCBA violations.\"\\n\\nPART 2: Comprehensive Report for Your Attorney\\nIf Wells Fargo refuses to budge, it is time to hire a consumer financial litigation attorney (look for attorneys specializing in FCBA and FCRA violations). Hand them this exact brief so they can immediately draft a Demand Letter or file suit without spending hours decoding your statements.\\n\\nCONFIDENTIAL CLIENT MEMORANDUM & CASE BRIEF\\nTo: [Attorney Name]\\nFrom: XXXX XXXXi & XXXX XXXX\\nSubject: Systemic Ledger Failure, FCBA Violations, and Withheld Funds by Wells Fargo N.A.\\nDate: XX/XX/XXXX\\n\\n1. Executive Summary\\nI am seeking legal representation to compel Wells Fargo Bank, N.A. to correct a catastrophic mathematical error on my Bilt World Elite Mastercard (Account ending in XXXX). On XXXX XXXX XXXX, I initiated a $XXXX payoff from my XXXX XXXX XXXX checking account. The funds successfully cleared the Federal Reserve. Wells Fargo failed to credit my ledger, subsequently \"double-counting\" my next billing cycle, resulting in an erroneous reported balance of $XXXX. Wells Fargo has repeatedly refused to conduct a reasonable investigation, refused to query their suspense accounts, and has stonewalled my CFPB complaints by classifying them as \"duplicates.\"\\n\\n2. Account Details\\n\\nCreditor: Wells Fargo Bank, N.A. (XXXX XXXX)\\n\\nAccount Number: Ending in XXXX\\n\\nFunding Bank: XXXX XXXX XXXX XXXX. (XXXX XXXX XXXX ending in XXXX)\\n\\nDisputed Amount: $XXXX (Missing principal) + cascading interest/fees.\\n\\n3. Timeline of the Accounting Failure\\n\\nXX/XX/XXXX: Wells Fargo statement generates with a verified, undisputed balance of $XXXX.\\n\\nXX/XX/XXXX: A Bill Pay payment of exactly $XXXX is initiated and successfully clears the XXXX XXXX XXXX checking account.\\n\\nXXXX XXXX XXXX: A new, authorized charge of $XXXX (XXXX XXXX) posts to the Wells Fargo account.\\n\\nXX/XX/XXXX: Wells Fargo generates a new statement with a mathematically impossible balance of $XXXX. The system added the new charge ($XXXX) to the old balance ($XXXX) and completely failed to deduct the $XXXX  payment that cleared on XX/XX/XXXX.\\n\\n4. Exhaustion of Administrative Remedies & Bank\\'s Breach\\nI have made every good-faith effort to resolve this directly with the institution, exhausting all standard administrative channels:\\n\\nI submitted official XX/XX/XXXX statements proving the funds successfully left my account.\\n\\nI formally escalated the issue to the Wells Fargo Executive Office via the CFPB.\\n\\nWells Fargo responded with automated, generic denials claiming the payment was \"uncredited\" or \"returned,\" directly contradicting external banking records.\\n\\nI submitted a formal demand for Wells Fargo to produce a backend General Ledger (GL) extract and to audit their unapplied funds/suspense accounts using the Federal Reserve ACH Trace IDs.\\n\\nWells Fargo responded by attempting to close the investigation as a \"duplicate\" inquiry, effectively refusing to look beyond their front-facing, flawed consumer interface.\\n\\n5. Causes of Action to Explore\\n\\nFair Credit Billing Act (FCBA) / Regulation Z: Failure to conduct a \"reasonable investigation\" of a documented billing error. Relying on a flawed internal screen when presented with conflicting Federal Reserve clearing data is inherently unreasonable.\\n\\nFair Credit Reporting Act (FCRA): Reporting an artificially inflated balance and/or delinquency to the credit bureaus when the bank is in possession of cleared funds.\\n\\nBreach of Contract: Failure to accurately apply remitted funds to the credit account principal as dictated by the cardholder agreement.\\n\\n6. Evidence Inventory Available for Review\\n\\nWells Fargo XX/XX/XXXX Statement: Establishes the $XXXX  baseline.\\n\\nWells Fargo XX/XX/XXXX Statement: Proves the double-counting math error ($XXXX).\\n\\nXXXX XXXX XXXX XX/XX/XXXX Statement: Proves the $XXXX funds cleared the sending institution.\\n\\nBilt App Ledger Receipt: Shows the XXXX interface recognized the payment, isolating the failure to Wells Fargo\\'s backend processing.\\n\\nCFPB Correspondence: Documenting Wells Fargo\\'s refusal to provide the requested GL trace.\\n\\n7. Desired Outcome\\nI am requesting that your firm issue a formal Demand Letter to Wells Fargo\\'s Office of the General Counsel to bypass their automated customer service loops. I require:\\n\\nImmediate location of the $XXXX  in their suspense accounts and retroactive application to my ledger.\\n\\nPermanent reversal of all cascading interest and late fees.\\n\\nElectronic, off-cycle correction of all credit bureau reporting.\\n\\nCompensation for legal fees, time, and statutory damages for failing to conduct a reasonable investigation.\\n\\nYou said\\nCraft a followup to the Cfpb against XXXX XXXX XXXX for non-response\\n\\nXXXX said\\nTo escalate this with the Consumer Financial Protection Bureau (CFPB) and ensure XXXX XXXX XXXX XXXX is held accountable for their non-response and the misinformation provided by their representatives, you should file a follow-up/supplemental comment to your existing complaint or start a new one if the first was closed.\\n\\nBelow is a draft that weaponizes the Electronic Fund Transfer Act (Regulation E) to force their hand.\\n\\nCFPB Follow-Up Complaint: XXXX XXXX XXXX\\nSubject: URGENT: Refusal to Provide Statutory Transaction Records (ACH Trace IDs) - Regulation E Violation\\n\\nTo the CFPB Investigator:\\n\\nI am filing this follow-up because XXXX XXXX XXXX has been non-responsive to my formal requests and is actively withholding critical transaction data needed to resolve a major financial dispute with a third-party institution (Wells Fargo).\\n\\n1. The Failure to Provide Documentation:\\nOn XX/XX/XXXXand XX/XX/XXXX, I sent formal written requests to XXXX XXXX XXXX XXXX XXXX and ACH departments requesting the 15-digit ACH Trace Numbers (IMAD/OMAD) for a series of cleared payments (totaling over $XXXX) made to Wells Fargo.\\n\\nDespite multiple follow-ups, XXXX XXXX XXXX has failed to provide these records. Furthermore, their live chat representatives provided demonstrably false information, stating that trace IDs are \"removed from the list\" once a dispute is filed. This is a blatant misrepresentation of banking record retention requirements.\\n\\n2. Regulatory Violation (Regulation E):\\nUnder 12 CFR  1005.11 (Regulation E), financial institutions are required to investigate alleged errors and provide the consumer with the documents they relied upon for their determination. By withholding the ACH Trace IDswhich are the only legal digital proof that funds were successfully delivered to the receiving institutionXXXX XXXX XXXX is obstructing my ability to locate missing funds and is in violation of its duty to provide accurate transaction records.\\n\\n3. Critical Transactions Withheld:\\nI require the 15-digit Federal Reserve Trace IDs for the following payments initiated from my account ending in XXXX:\\n\\nXX/XX/XXXX: $XXXX\\n\\nXX/XX/XXXX: $XXXX\\n\\nXXXX XXXX/Wells Fargo payments from XX/XX/XXXX toXX/XX/XXXX (detailed in the attached correspondence).\\n\\nRequested Resolution:\\nI demand that the CFPB compel XX/XX/XXXX Legal and Compliance Department to immediately produce an official ACH Trace Report containing the 15-digit IMAD/OMAD numbers and the confirmed destination routing/account details for every transaction listed in my attached request.\\n\\nHow to Submit This Effectively:\\nUpload the Proof: Attach the file you just shared with me (XXXX to the CFPB portal. This proves you have done your part in asking nicely.\\n\\nHighlight the XXXX Chat: If you have those screenshots of the agent saying records are \"removed,\" upload them too. This proves bad faith on XXXX\\'s part.\\n\\nCross-Reference: If you have an active case against Wells Fargo, include that case number in the text so the investigator sees the \"missing money\" connection.\\n\\nPro-Tip: The \"Executive\" Email Strike\\nWhile the CFPB works, send the exact text above to XXXX Executive Client Care team to light a fire under them:\\n\\nXXXX XXXX (XXXX XXXX XXXX XXXX): XXXX\\n\\nXXXX XXXX XXXX XXXX XXXX XXXX: XXXX\\n\\nWould you like me to draft a specific \"Demand for Records\" letter for you to mail via Certified Mail to their Corporate Center in Charlotte? This often gets a faster response than email because it triggers their internal legal \"litigation hold\" process.\\n\\nYou said\\nThe focus should be on their customer service and lack of prompt response and acknowledgement of customer\\'s request and emails.\\n\\nXXXX said\\nTo maximize pressure on XXXX XXXX XXXX XXXX), you should now transition from informal follow-ups to a formal Demand for Transaction Records. This draft is designed for Certified Mail (to create an indisputable legal record) and specifically targets the bank\\'s failure to provide required documentation under Regulation E.\\n\\nCertified Mail Demand Letter\\nTo:\\nXXXX XXXX XXXX, N.A.\\nXXXX XXXX XXXX XXXX XXXX, NC XXXX\\n\\nDate: XX/XX/XXXX\\nSent Via: Certified Mail - Return Receipt Requested\\nRe: Statutory Demand for Transaction Records  Account Ending in XXXX\\n\\nTo the Office of the General Counsel / Executive Client Care:\\n\\nThis is a formal demand for the immediate production of internal transaction records, specifically the 15-digit ACH Trace Numbers (IMAD/OMAD), for a series of payments initiated from my account ending in XXXX.\\n\\nTo date, your customer service departments have been non-responsive or have provided demonstrably false information. On [Insert Date], a representative incorrectly stated that these records are \"removed\" once a dispute is filed. This is a direct violation of federal record retention and error-resolution requirements under 12 CFR  1005.11 (Regulation E).'","date_sent_to_company":"2026-03-10T15:57:01.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"20130278","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-10T15:53:08.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Charged too much interest"},"highlight":{"complaint_what_happened":["\\n\\nBy demanding the trace for all of them, you are forcing their back-office to provide a complete ledger of routing data, which will prove exactly where <em>Wells</em> <em>Fargo\\'s</em> system <em>failed</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[16.542065,"20130278"]},{"_index":"complaint-public-v1","_id":"17166792","_score":16.001198,"_source":{"product":"Credit card","complaint_what_happened":"COVER LETTER XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Wells Fargo XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Office of the Texas Attorney General XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Subject : Formal Complaint Against Wells Fargo Bank , N.A . Deceptive and Unlawful Banking Practices Dear Wells Fargo, Texas Attorney General, and CFPB Administrators I am submitting my formal complaint concurrently to the Wells Fargo Bank, N.A., CFPB, and Texas Attorney General Consumer Protection Division. This is in regard to the gross mishandling, concealment of account information, and deceptive accounting practices on my {$300.00} secured credit card account ending in XXXX ( formerly XXXX and XXXX ) that was ultimately charged off for {$9900.00} This case is more than an isolated customer dispute, it reflects systemic negligence, financial manipulation, and questionable banking procedures within Wells Fargos operations, echoing prior misconduct for which the institution has already been sanctioned.\n\nWells Fargos actions include the following : Inflating a {$300.00} secured credit card limit into a purported {$9900.00} debt showing Im 3,223 % over my credit limit.\n\nCrediting and reversing payments under vague reasoning, and unsupported ACH return codes ; Withholding material account information under the labels of proprietary information and for internal use only Over {$420000.00} provided to Wells Fargo over 8 months in floating payments that were later reversed, after Wells Fargo had benefited from the interest payments. \nOver {$100000.00} in payments missing from final statements provided by Wells Fargo, however I have emails documenting their status.\n\nFinal Statement indicating the account balance was zero that was mailed to me, then told a month later they had mailed the internal book-entry ledger by mistake Reporting inaccurate and harmful credit information while refusing to provide the legally required validation of debt.\n\nThese bank actions and inactions constitute violations of following laws in place to protect customers : Regulation E, The Fair Credit Reporting Act ( FCRA ), The Electronic Fund Transfer Act ( EFTA ), and The Texas Deceptive Trade Practices Act ( DTPA ) Demand for Relief : I respectfully request the assistance of your offices in compelling Wells Fargo to provide restitution, and correction of the public record. Wells Fargos actions have caused quantifiable financial and reputational damage exceeding well over {$50000.00}. However, in the interest of resolution and closure, Im willing to settle the matter for {$15000.00} with : Written acknowledgment that the account was paid in full and never delinquent.\n\n1. Deletion of all related negative credit reporting across all CRAs ( XXXX XXXX XXXX ). \nXXXX. Confirmation that no balance or charge-off remains due or collectible. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX Wells Fargo Bank , N.A . Secured Visa Account Ending in XXXX ( formerly XXXX, XXXX ) Grounds : Unjust Enrichment, Deceptive Practices, Failure to Validate Debt, and Concealment of Material Information 1. Summary of Complaint I am filing this complaint against Wells Fargo Bank , N.A . for egregious mishandling of a secured credit account, resulting in a fraudulent charge-off of $ XXXXan amount that exceeds the original {$300.00} limit by 3,222 %. Resulting in several lost credit opportunities that have impacted the course of my life. \nThe alleged balance arose from a series of bank-to-bank payments that were initially credited, but then later reversed, with Wells Fargo providing only generic explanations such as Restricted Account ( R29 ), No Account ( R03 ), and Limited Participation ( R34 ).\n\nDespite my repeated written requests, Wells Fargo has : Failed to provide documentation or legal justification for these reversals; Refused to disclose its internal accounting records ; and Continued to report a false and inflated debt to credit bureaus.\n\nThese actions have caused severe financial harm and reputational damage over a seven-year period.\n\n2. Detailed Allegations a ) Violation of Regulation E and Failure to Provide Transaction Validation Wells Fargo has consistently refused to disclose the specific reasons behind payment reversals, citing only ambiguous terms like not authorized and hiding behind its proprietary information. Under 12 CFR 1005.11 ( Regulation E ), consumers are entitled to a detailed explanation of any disputed electronic funds transfer. My account statements only show Adjustment Payments. I was locked out of my emails due to 2 Factor Authentication phone verification with a phone I didnt have. Earlier this year I was finally able to get access to my emails where some of the transaction codes were available and the information I discovered is startling. Such concealment obstructs dispute resolution and violates federal disclosure obligations. I was told they could not provide the information or codes as it was proprietary.\n\nWith the emails I was able to see these reversal codes R01 Insufficient Funds R03 No Account Number Unable to locate account R04- Invalid Ac\ncount Number R13 Invalid ACH Routing Number R29 Corporate Customer Advises Not Authorized Account R34 - Limited participation DFI ( receiving bank not authorized to process this entry ) These codes indicate Wells Fargo accepted and credited payments drawn on accounts with no available funds, no account number or invalid account number, invalid ACH Routing Number, Corporate Authorization , and Limited Participation whereupon they issued immediate credit despite no verified settlement.\n\nThese transactions never represented legitimate funds. Yet Wells Fargo made them available for withdrawal, contrary to Regulation CC, which makes the bank not the depositor responsible for settlement risk. Wells Fargos subsequent issuance of cashed checks and creation of a charge-off balance represents an attempt to have me reimburse the bank for its own operational losses.\n\nIllegitimate Nature of the Alleged Debt : The {$9900.00} balance is not the result of any purchase, loan, or cash advance. It is a fabricated liability that exists solely because Wells Fargo : Credited my account with unverified, invalid ACH deposits, Issued real money against those credits before settlement ; and Retroactively reversed the credits when the originating banks rejected them. By doing so, Wells Fargo effectively cashed its own bad checks and now seeks repayment from me for its error.\n\nUnjust Enrichment and Misrepresentation While I suffered damaged credit, stress, and reputational harm, Wells Fargo benefited by holding over {$420000.00} in cumulative float in my account history interest-free funds generated by these phantom transactions. This constitutes unjust enrichment and deceptive practice under both federal banking law and the Texas Deceptive Trade Practices Act ( Tex. Bus. & Com. Code 17.41 et seq. ).\n\nFinancial Gain Why would a bank allow an account to remain open that averages approximately 10 transactions reversals per month over an 9-month span? The answer is simple they are receiving an financial gain by allowing this behavior to continue. Wells Fargo appears to have derived material financial benefit from the payment-and-reversal cycle through : Interchange fees on purchases made before reversals.\n\nInterest or float income on temporarily credited balances.\n\nReduced liability exposure if merchant settlement refunds were obtained before consumer reversals.\n\nThis pattern suggests systemic unjust enrichment. Wells Fargos incentive to keep the account open was financial enrichment from transactions that they have disclaimed, all while holding the consumer responsible for inflated balances.\n\nDelayed Actions & Algorithm Training I was told the extended period of 8 months in which these transactions were allowed until suddenly reversing reflects operational delays, batch processing issues, delayed algorithm detection of over-crediting, and possibly an ongoing fraud investigations. Regardless, this allowed Wells Fargo to potentially profit from my transactions for months while leaving me uninformed about the nature of the sudden reversals.\n\nConcealment of Credit Reports & Poor Investigations The positive credit reporting for this account was concealed from all reporting agencies except for the reporting of a debt in the amount of {$9900.00} that began in XXXX of XXXX. All previous credit reports said On Time, Never Late, from XXXX through XX/XX/XXXX. Once the reversals were initiated All of my credit reports began showing NO DATA for XXXX XX/XX/XXXX with Delinquent payments beginning in XX/XX/XXXX. I explained this to All the credit bureaus, The CFPB, and The OCC how this was incorrect, and I still received letters indicating that the creditor says the statements are accurate. Yet nobody questioned the accuracy of how a {$300.00} Credit Limit ballooned to rack up {$9900.00} in debt. \nTruth in Lending Act Violations Internal Account Regulation Z Concealment also occurred via Internal Account When I asked about the mail I received showing account balance of {$0.00} in XXXX of XXXX when my account was closed. When I asked why Wells Fargo was demanding payment when the statement they sent showed a {$0.00} balance I was told that it was actually a Internal Accounting Record separate from my account statements. In official correspondence, Wells Fargo admitted maintaining an internal account in my name, that I was unaware of nor was I informed about how it was being used, or how many accounts were actually in my name. This is clearly a violation in Truth in Lending Act of Regulation Z.\n\nThis is a grave concern that Wells Fargo Bank : Maintains dual sets or more of bank account records ( they admitted and provided documentation to me by accident ) Withholds full ledger data from consumers. \nMaintains internal suspense or Holding accounts under customers identifiers. \nSuch concealment deprives consumers of their right to a transparent accounting of all transactions, contrary to both EFTA and DTPA 17.46 ( b ), which prohibit deceptive omissions of material facts. \nFabrication or Inflation of Debt Without Purchase Validation XX/XX/XXXX card ending in XXXX was the last time an item was purchased by me on this account, although 3 credit card numbers were issued. Wells Fargo essentially issued me a new card that was not able to be used anywhere and would decline with money showing or a credit balance in the account. To this day Wells Fargo has failed to produce a verified purchase that was for a legitimate transaction in which they claim I owe from reversed or invalidated accounts. Without a complete breakdown, there is no evidentiary basis for the purported {$9900.00} balance. The debt comes from Wells Fargo issuing me cashiers checks during months in which I had a negative credit balance. Essentially their own system was informing them of the negative credit balance and sending me checks. Even though Wells Fargo was aware of Non Sufficient Funds in accounts, non existent accounts, and accounts lacking proper authorization. So how can I owe a balance for cashiers checks Wells Fargo issued to me that were not the result of credit being utilized?\n\nThis failure violates the Fair Debt Collection Practices Act ( FDCPA 809 ), which mandates clear validation of debt upon dispute. Instead they insist the debt is owed due to credit balance check payments that were issued to me for overpayments that were later reversed.\n\nPatterns of Misconduct Nationwide Wells Fargo has an extensive history of similar misconduct including the XXXX findings of unauthorized account creation, improper fees, and false reporting all of which led to enforcement actions by the CFPB and OCC. The behavior in my case reflects this same culture of concealment, deceptive accounting, and disregard for consumer protections. However, I did not receive any settlements or redress from experience with Wells Fargo.\n\n3. Relief Requested- I respectfully request that the CFPB and Texas Attorney General require Wells Fargo to : Provide a Full Accounting o Itemized list of all transactions, including payment credits, reversals, fees, and their official ACH return reason codes. \nDisclose All Internal Account Records o Including internal use only ledgers, suspense accounts, and journal entries connected to my accounts ending in XXXX, XXXX, and XXXX. \nAccount for Any Financial Benefit o Detailed disclosure of profits, float, or fee income derived from credited or reversed transactions.\n\nCease Collections and Correct Credit Reporting o Immediately suspend all collection activity and delete inaccurate credit entries pending full resolution.\n\nProvide Compensation and Restitution o Direct compensation for documented financial and reputational harm consistent with statutory remedies under the Texas DTPA, EFTA, and FCRA, totaling not less than {$24000.00} or such amount as the CFPB deems just.\n\n4. Conclusion This matter is not simply a billing dispute it is a clear instance of systemic misconduct and concealment that undermines public confidence in the U.S. banking system.\n\nI urge both the CFPB and the Texas Attorney General to investigate this matter thoroughly, and compel Wells Fargo to produce all relevant internal data, and ensure that restitution is made in full. \nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-11-11T18:37:17.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"75002","tags":null,"has_narrative":true,"complaint_id":"17166792","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-11-11T18:17:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["COVER LETTER XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) <em>Wells</em> <em>Fargo</em> XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Office of the Texas Attorney General XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX <em>Subject</em> : Formal Complaint Against <em>Wells</em> <em>Fargo</em> Bank , N.A ."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[16.001198,"17166792"]},{"_index":"complaint-public-v1","_id":"6541523","_score":15.9890585,"_source":{"product":"Mortgage","complaint_what_happened":"To All Concerned : I need to tell you how processs put in place actually fail for the person they are meant to protect. \nThis is how Hurricane Mathew ( 2016 ) affected me. \nThe failures I will to bring to light are that of Wells Fargo Mortgage ( WFM ), Wells Fargo Flood Zone Department ( WFF ) and Federal Emergency Management Agency ( FEMA ).\n\nI will start with the failures of Wells Fargo as my mortgage company. I will quickly explain how they cheated me out my asset, a rental home, through unprofessional and unethical behavior and trickery.\n\nThe flood zone department of Wells Fargo refused to believe my house was in a flood zone. XXXX, I have no flood insurance. In 2016 Hurricane Matthew came through XXXX XXXX and destroys my house. Uninhabitable as eleven feet of water went through that property. \nMy property is at XXXX XXXXXXXX XXXX XXXXXXXX, North Carolina. I purchased the property in XXXX as a XXXX in the XXXX stationed at XXXX XXXX, NC. It was uniquely situated on the property and had a staircase of 30 steps leading from the top of the street down to the house. Because of that feature a flood zone examination request was done and it was shown at that time not to be in the flood zone. \nIn XXXX, my insurance company ( XXXX ) notified me that flood zones had shifted and FEMA had new maps out. XXXX believed my home on XXXX XXXX was now in a flood zone. Although I had the house rented out, I should still carry the flood insurance. They informed me that I should be hearing from my mortgage company since it is a federal law to require me to have flood insurance while still paying on a mortgage. Although XXXX does not carry flood insurance, I could purchase it from FEMA. I contacted WFM and relayed what XXXX XXXX told me about needing flood insurance. WFM states they do not have information XXXXXXXX XXXX is in a flood zone and referred me to the WFF. WFF states that my home is NOT in a flood zone and I DO NOT need flood insurance. He added that XXXX was trying to sell me more insurance. \nNine years later in XX/XX/XXXX, Hurricane Matthew comes thru XXXX XXXX and brings eleven feet of water through my little piece of property. The house that I had been renting out is now uninhabitable. I am very grateful the tenets had the sense to get out of there when the house, built five feet off the ground started taking in water. Inside the house took on six feet of water, everything ruined. \nXX/XX/XXXX, I called the Wells Fargo Mortgage Company, spoke with the flood department again about XXXX being in a flood zone. They maintained my property at XXXX XXXX XXXX, XXXX NC was not in a flood zone. I told them my house was hit hard and flooded, the WFF point of contact still maintained that house was not in a flood zone.\n\nI placed a formal compliant through Wells Fargo and asked for an investigation on the subject. They found that the WFF did maintain my house was not in a flood zone although it had been completely flooded. I had to speak with the flood zone guy to start any type of resolution and it took months. I called weekly for several months only to be met with stone- wall tactics of we dont know, we will get back with you, he is not here. Sometime in the spring of XXXX I was contacted by an attorney representing WFF. He said he would be my POC on the issue.\n\nThis attorney was only interested in protecting the WFF guy who said I did not need flood insurance. It took a couple of months for him to provide any type of offer. it takes months to arrive at any solution... it took months. Months of me calling weekly, all sorts of stall tactics used by Wells Fargo flood department. Did they think I would give up and go away? \n\nMy insurance company valued that home at XXXX at that time. The first FEMA inspector that came thru valued it at fair market value of XXXX. Wells Fargo would not hear of it... they dont believe that those two assessments are credible and came up with a value of XXXX. They agreed to pay me XXXX if I turned around and paid off the XXXX I still owed. If I had an attorney, you can believe Wells Fargo would have to make this right FEMA- Wow, I can not think of a worst way to dole out taxpayer dollars to help folks out ... .untrained people that lack knowledge of any of the programs... i wont bore you with the nearly five years of being lead by the nose of better days are coming for you.. However, I will say this ; Please embed attorneys in FEMA that can help someone like me. If I could have made Wells Fargo step up and be accountable, I dont need tax payer dollars. FEMA did not ever ask if my mortgage company made me have flood insurance! Come to find out, the flood maps did change in XXXXXXXX XXXX XXXXXXXX XXXX was the only house on the street in the flood zone, but it was in the flood zone!\n\nWhy is the FEMA system not set up to help folks like me? How hard would that be to offer legal service. They had volunteer attorneys but they couldnt do anything for me. Why not?\n\nThat house was three years from being paid off. Then, the rent would supplement my retirement income. It was to allow for annual trips with the grandkids... it was worth keeping up and keeping rented, because of that income stream. Its gone... no hope of getting it back. Wells Fargo gets away with treating me like nothing and having my VERY hard earned money go down the drain. \nNot only do a only get a fraction of the value, and I was only asking for fair market value at XXXX, but I lost a very valuable to me, income stream for my retirement! \nProcesses are broken. I hope the XXXX XXXX bans Wells Fargo to military personal. \n\n\nRegards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-02-07T18:29:00.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"856XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"6541523","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-07T17:57:55.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/XXXX, I called the <em>Wells</em> <em>Fargo</em> Mortgage Company, spoke with the flood department again about XXXX being in a flood zone. They maintained my property at XXXX XXXX XXXX, XXXX NC was not in a flood zone. I told them my house was hit hard and flooded, the WFF point of contact still maintained that house was not in a flood zone.\n\nI placed a formal compliant through <em>Wells</em> <em>Fargo</em> and asked for an <em>investigation</em> on the <em>subject</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[15.9890585,"6541523"]},{"_index":"complaint-public-v1","_id":"6555564","_score":13.713405,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, XXXX, Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX only XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX WELLS FARGO Bank - XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia Re : Identity Theft concerns at WELLS FARGO BANK and the settlement agreement with U.S. Dept of Justice to pay customers for internal fee overcharges In America , free trade is intended to benefit the economy, businesses, as well as individual consumers with fair and honest transactions. Anti-Trust Laws are federal legislation intended to inhibit activities of large, well-funded, and highly networked American business enterprises from taking an overly aggressive and/or unfair advantage because of their size and networked organization within the business environment and financial markets. Entities such as banks and large corporations typically fall in this category. \n\nIn unison, these malicious and clandestine behaviors are continuous, collaborated, networked and intentional acts of discriminatory practices, cultural bias/prejudice, and other XXXX behaviors of XXXX AMERICAN business and public officials ( and their associates ) to financially harass, harm, and inhibit XXXX AMERICAN real property, land, and business-ownership. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this property or any of my fathers asset properties. ***This Special Note is repeated for emphasis. *** On XX/XX/XXXX, Consumer Reporter XXXX XXXX, XXXX XXXX XXXX, detailed in her report that Wells Fargo customers were victimized with illegal practices that cheated customers on car loans, mortgages, and banking accounts by WELLS FARGO. According to Consumer Financial Protections Bureau ( CFPB ), a U.S. government agency, more than XXXX XXXX Wells Fargo accounts were subjected to these internal illegal practices. \n\nBusiness Reporter XXXX XXXX, XXXX XXXX XXXX XXXX, published on XX/XX/XXXX, that court documents indicated that Wells Fargo defrauded customers between XXXX and XXXX. As I listened closely to news reports about my bank, I was amazed at the information. These reports fed my spirit as they explained so much. The negative Customer Service issues I experienced in recent years and on Thursday, XX/XX/XXXX, must be documented to hold Wells Fargo accountable to the court settlements so that I can be compensated for the losses I have suffered. \n\nThis message details how my relevant concerns from Thursday, XX/XX/XXXX, are consistent with the crimes Wells Fargo XXXX committed and was found guilty of as prosecuted by the U.S. Department of Justice ( US-DOJ ) with input from the CONSUMER FINANCIAL PROTECTION BUREAU XXXX CFPB ). In XXXX settlement, Wells Fargo is currently under court order to repay its customers {$3.00} XXXXillion for overcharged fees and other losses. In a different settlement, Wells Fargo has been ordered to pay {$37.00} million in fines for overcharging some customers. The U.S. Dept of Justice believes Wells Fargo created a work environment and culture where defrauding or otherwise taking advantage of customers became normal business practice. \n\nCurrently, I have XXXX accounts open and active at Wells Fargo that I will continue to use. I am not closing my accounts so that I can continue to pay my bills, and I can remain engaged in the accountability process of the U.S. Dept of Justice with input from the CFPB. \n\nAlso, to protect my rights and my positive credit status, and to inhibit any new/other potential harms due to inappropriate use of my PII by Wells Fargo staff , an Identity Theft complaint has been filed with the Federal Trade Commission XXXX FTC ) along with subsequent complaints filed with the CFPB and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to be bound together with other previously filed complaints to be considered XXXX document. The activities described herein are as they occurred on XX/XX/XXXX, in the WELLS FARGO location on XXXX XXXX XXXX XXXX, XXXX, Georgia and is the triggering event for this complaint. This message is written to XXXX XXXX XXXX XXXX XXXX attention. \n\n***SPECIAL NOTE*** As the Personal Representative of the XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX XXXX focused on securing access and all property rights to marshal my father 's estate assets for probate especially his real property situated at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX which is my personal residential home and my primary business location. I have never surrendered my equity, my access, or my rights to this or any of my fathers assets properties. ***This Special Note is repeated for emphasis. *** XXXX XXXX, since you are the Branch Manager of the WELLS FARGO on XXXX XXXX XXXX XXXX, XXXX XXXX Georgia XXXX I regularly bank, this message is sent to your attention for follow-up and intervention where necessary. Due to the actions your staff put upon me and my accounts on Thursday, XXXX XXXX, XXXX, please be advised that an Identity Theft complaint was file on Monday, XX/XX/XXXX, with the Federal Trade Commission ( FTC ) that names Wells Fargo staff in your branch as violators who used my Personally Identifiable Information ( PII ) without my permission. I am a customer of Wells Fargo for many years and the quality of service has declined significantly. I have had to file numerous account and fee-related complaints. I have submitted numerous requests for investigation of concerns for potential fraud in recent years. The settlement with the U.S. Dept of Justice explains it all. Details in this letter fine tune my points. \n\nMy Wells Fargo banking accounts have been affected with overdraft fees even as the funds were available, or the check had been paid. Even though my no fee accounts met the criteria for no monthly fee to be assessed, a monthly fee suddenly started to be taken, and is still being taken out of my accounts. A couple of my accounts were closed by the bank for lack of use or no reason at all during the Pandemic. Previous vendors were given access to my accounts to allow payments for charges I did not authorize. Even after I notified the vendor and the bank that ANY pre-authorized access was no longer granted, Wells Fargo still allowed vendors to be paid for charges I did not authorize. Sometimes the funds were put back into my account immediately, then months later taken out again. During XXXX, over {$300.00} was taken from my XXXX account without any prior notice to me. These transactions happened all the time. \n\nConsistent with previously filed Identity Theft, Civil Rights, and mail fraud/ mail mismanagement complaints I filed against local public official and the U.S. postal service employees, Wells Fargo staff repeatedly started to fail to list my residential and mailing address correctly as I requested. At that time, I was unaware these actions were malicious and deliberate. In collusion with others seeking to steal my identity as the legitimate possessor/occupant of my fathers property, Wells Fargo staff tried to change my identity to be associated with my residential address since XXXX. This distraction started a few years ago, shortly after my fathers death and after several years of quality service where my address was no issue. Banks are furnishers of information that would impact the address on a credit history. \n\nThis simple task seemed to stump them until recently I shared that the address issues only existed within a specific region for Wells Fargo in Georgia. Everywhere else no problems. The tall man at the main Customer Service desk at the entrance of your branch was the person who cleaned up my address for accurate delivery of my mail as I needed to re-order and finally receive a XXXX  Debit Card. Submitting my address correctly worked. \n\nApparently, my fiduciary efforts to protect my fathers estate assets led to the discovery of clandestine diversionary tactics by XXXX  AMERICAN bad actors in government, in banking, and in the U.S. postal service to reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, or financial takeovers of XXXX XXXX real property, land, businesses, and other financial assets such as with the XXXX XXXX XXXX that I administer. As the natural daughter and Personal Representative of XXXX XXXX XXXX, these actions become relevant to this Identity Theft claim against Wells Fargo. What your staff did was guided by XXXX AMERICAN supervisors with focus on the bigger picture of Civil Rights violations UPON people of XXXX at the hands of people of XXXX. \n\nBut for the guidance of XXXX AMERICAN executives, these violations of law inside the Wells Fargo Bank would not be possible. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS as they violate U.S. Anti-Trust laws and are hereby submitted to the Consumer Financial Protection Bureau for review, oversight, and referral for additional investigation and legal intervention. \n\nXXXX example that I personally experienced : On XXXX, XXXX XXXX, XXXX, I spoke with Wells Fargo XXXX XXXX XXXX XXXX XXXX in the same office where XXXX XXXX and I XXXX. XXXX XXXX, a XXXX AMERICAN, interjected herself in my Customer Service visit and openly lied to me several times regarding my accounts. Her efforts were an attempt to trick me into paying Wells Fargo over {$400.00} that I did not owe just to replace a compromised account. Her focus was to harm my access to open other accounts within Wells Fargo and at other banksunless I paid the {$400.00}. Though it was a struggle for me, before I left that day my discussion, my documents, and my attention to details resolved most of that extortion agendabut not all. I saved those notes too. \n\nYour Branch Operations XXXX, XXXX XXXX, is aware of my other Identity Theft concerns as a Civil Rights matter. XX/XX/XXXX, I came into the branch to order a new debit card. On that visit to the XXXX XXXX XXXX branch, XXXX XXXX and I had a long and detailed conversation in a branch office regarding excessive overreach of CAUCASIAN AMERICAN public officials and how their behaviors have impacted my personal and business outcomes as I serve to protect my fathers estate. The detailed document of the complaint I submitted XX/XX/XXXX, to the Dept of Justice care of both Georgia XXXX is published on my XXXX XXXX  website ( XXXX : XXXX ). XXXX received my website information ( XXXX XXXX XXXX ) with an invitation to visit my educational platform, and to read for background on the youth group initiative. She asked me to adjust the age range to include her son. XXXX shared her personal email and phone number with me for that purpose. I still have those notes as well. \n\nXXXX XXXX, despite the judgments and fines recently announced against WELLS FARGO, this message details my experience on Thursday, XXXX XXXX, XXXX, in the XXXX branch ( XXXX XXXX ) on XXXX XXXX XXXX XXXX XXXX XXXX branch that you manage. After seeing the news reports and based upon my experiences, I would not be surprised to find that most of the Wells Fargo customers affected in the U.S. DOJ/CFPB settlement are disproportionality XXXX AMERICAN. Your staff continued the abuse previously adjudicated in a federal court as if no ruling had ever been issued as I came into the bank to cash a Wells Fargo check written to me. With all the previously noted issues and several debit cards that were delayed or not delivered by the U.S. Postal Service, I did not want to process the check through my account. I was told I had to use my account to get a Cashiers check and I had to pay a fee ( $ XXXX Cashiers check ). \n\nPer the settlement that WELLS FARGO made with the U.S. Dept of Justice and the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), this message is sent to notify Wells Fargo of my expectation of a settlement refund for all my financial losses due to excessive fees, inappropriate overdrafts, and other overreach incidents regarding all financial products and services-current and inactive. Also known as a CHARGEBACK, a settlement refund amount due to me accumulated over a period of years. I have filed numerous inhouse complaints with Wells Fargo. I expect nothing less than the full value not only for the actual financial losses, but I want compensation for the excessive time energy and money it took to remain solvent and stable in an illegitimate storm of deliberate confusion intended to steal my fathers real property estate asset. \n\nSince I had been in that branch and conducted business several times in the past, I thought I had built a cordial, faith-based rapport with XXXX ( Teller ) and XXXX Tookes XXXX XXXX XXXX  XXXX ). To keep from repeating myself across others in line and to increase privacy, I write a detailed note for bank tellers to read my banking needs for the day. This is my usual practice. \n\nA few minutes into my transactions they both ( XXXX and XXXX ) began to gaslight me with accusations of contentious and uncooperative behavior after they asked to hold my Drivers License in their hands, and when I said no. Even though I held it for them to view, both immediately became aggressive even trying to bully me to let them hold my it in their hand. XXXX even turned her face away to deny my banking needs with service refusal. Based upon my past encounters at other branches, this request was not standard procedure. When I present my bank issued debit or ATM card, my bank card verifies me. During and since the XXXX Pandemic, I prefer to hold my documents. At times, I could tell that they were communicating with someone over my shoulder-behind me, but I have no idea of who it was. My business was in front of me, so I was watching them. Im sure your bank has cameras if that information becomes an issue. \n\nTo get through the transaction, I inserted my bank card into the kiosk per usual procedure. I eventually gave my Driver License over to them because they threatened to not provide any banking service. As my banking transaction was being processed, I asked for my license back. XXXX XXXX was discourteous and contentious as she abruptly returned my id. When I was asked to confirm my transaction as correct and complete, initially it was not according to my request. My name was listed incorrectly. XXXX corrected that issue. \n\nThen suddenly, the printer went into reboot mode just as my documents were called for print, but it had just printed a check for another customers request. Ironically, XXXX happen to be standing near that printer. Both, XXXX and XXXX XXXX, repeatedly assured me that my documents ( Cashiers Checks associated with my account ) are valid when I questioned the printers sudden breakdown. \n\nNext, I noticed XXXX and XXXX XXXX set about completing another form on XXXX terminal without telling me what was happening. My drivers license was again requested to complete something they both said was required but gave me no clear details. I hesitantly returned it to them. I was asked to confirm the address on my Drivers License as it was held up possibly for someone behind me to see. It appeared that my license was being held up for someone behind me to see more than for me to see it. The Drivers License was not actually pointed in my direction. \n\nAnother damming indicator of PII abuse was their production and use of my Social Security number. XXXX of them wrote my SSN on the back of my note. I think it was the XXXX XXXX XXXX handwriting. Not only did I NOT GIVE my SSN to them ( in the Teller line ), neither of them asked for it from me. That information was obviously retrieved from my stored bank account profile by the XXXX XXXX XXXX. \n\nShe wrote my SSN on the back of my original transaction request note. Again, I did not provide nor authorize the use of my Social Security number on a form that I had no knowledge of. She returned my note by laying it face up on top of the teller counter with my SSN showing. Im sure the bank security cameras will verify my statements. I still have the note I wrote with my SSN in their handwriting on the back. They said the form was regarding my transactions, but they did not give me any specific details. \n\nI usually keep the back of my license covered to protect my identity so when I saw them open the back, I asked that the cover be closed. Their banking tasks did not require access to the back of my Drivers License. Both gruffed and complained as they accepted my direction. As I waited for my documents and my transaction receipts to be given to me, I felt uncomfortably vulnerable. They were already trying to gaslight my actions to be difficult, so I said very little. I felt violated as I watched my Personally Identifiable Information ( PII ) was being used for a purpose that I was not being informed of as if I had knowledge when I did not. Before exiting the teller counter, I slowly counted and recounted all my documents and checked my transactions to give time for them to share what/why my PII, especially my Social Security number was used for. They said nothing. \n\nThe XXXX XXXX, XXXX, actions of Wells Fargo personnel noted in this complaint are consistent with my previous Civil Rights complaints to include XXXX XXXX. Pandemic-related Fraud and other fraud-related overreach by XXXX  AMERICAN public officials, and USPS delivery fails. \n\nXX/XX/XXXX, XXXX I filed a Civil Rights complaint into the U.S. Dept of JusticeXXXX XXXX XXXX against XXXX local elected officials of XXXX XXXX, XXXX XXXX Georgia who refused to do their jobs and, thereby, exposed me and my father, XXXX XXXX, to multiple incidents of colluded harassment for the illegal encroachment of his real property assets. As I serve to probate my fathers estate, my complaint was submitted individually and through the offices of XXXX XXXX and XXXX XXXX. That XXXXpage document is posted on my website ( XXXX XXXX XXXX ) as My Story for full cultural disclosure. \n\nXX/XX/XXXX, XXXX filed an I.D . Theft/Fraud complaint against Georgia XXXX XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ). \n\nXX/XX/XXXX, XXXX filed an I.D . XXXX complaint against the U.S. Post Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA ( FTC Report XXXX XXXX ). All subsequent and future complaints are to be bound together as XXXX Civil Rights matter ( id # XXXX ) documented by XXXX XXXX XXXX of the XXXX XXXX XXXX. \n\nMonday, XXXX XXXX, XXXX, I filed an Identity Theft complaint against Wells Fargo-XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXbranch personnel specifically ( FTC Report # XXXX XXXX .. To protect my rights, the FTC requires follow-up letters be sent to notify furnishers of information to stop collection proceedings against me. In the case with Wells Fargo, to stop the harassment of my financial access -internal and external-, and to give my Wells Fargo bank accounts responsible oversight to prevent future unauthorized losses especially as directed by the settlement agreement with the U.S. Dept of Justice in association with the CFPB. This Wells Fargo Identity Theft Letter includes a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information is attached.\n\nAltogether, the tactics of public officers and their relevant agencies exposes a corporately applied agenda to facilitate the illegitimate and illegal state, judicial, or financial, takeover of XXXX AMERICAN-owned real property, land, businesses, and other financial assets such as the assets of the XXXX XXXX XXXX XXXX As I fulfill my responsibilities as Personal Representative, not only are these practices discriminatory they violate U.S. Anti-Trust laws to harm a specific group of Americans as a practice of discrimination. The outcome inhibits the growth of XXXX AMERICAN wealth and stable prosperity like a XXXX century version of XXXX XXXX XXXX XXXX but quieter, clandestine, insidious with technological advancements. \n\nAs part of my XXXX XXXX teachings, I am aware of other XXXX AMERICAN property/ land and business-owners who are similarly affected. Upon encouragement, they are filing their own Civil Rights complaints with the Justice Department to establish that the pattern of discriminatory practice, cultural bias/prejudices, and other XXXX behaviors exist in an Anti-Trust fashion. \n\nMy federal complaint summary and primary impact statement is as follows : Discovery of clandestine diversionary tactics by CAUCASIAN AMERICANS in govt, banking, and the U.S. postal service reveal a corporately applied agenda to facilitate illegitimate and illegal state, judicial, and/or financial takeovers of XXXX AMERICAN-owned real property, land, businesses assets. In unison, such practices are discriminatory to harm a specific class of AMERICAN CITIZENS and violate U.S. Anti-Trust laws. This XX/XX/XXXX, complaint against Wells Fargo ( FTC Report # XXXX ) is consistent with the Civil Rights complaints from XXXX XXXX XXXX, M.Ed. on XX/XX/XXXX, submitted to US-DOJ against XXXX XXXX  AMERICAN public officials care of XXXX XXXX and XXXX XXXX XXXX XXXX I.D . XXXX complaint against Georgia Dept XXXX XXXX XXXX XXXX ) ( FTC Report XXXX XXXX ) ; I.D . XXXX complaint against the XXXX Post XXXX XXXX XXXX, GA ( FTC Report # XXXX XXXX. All documents submitted to the U.S. Dept. of Justice are to be bound together and tagged with US-DOJ Reference id XXXX as if they are XXXX document of evidence. Thank you. XXXX XXXX XXXX, XXXX. \n\nIn closing XXXX XXXX, would you please transmit this message and the attachments to upline WELLS FARGO Corporate Fraud Oversight staff, and/or whomever remits payments to bank customers impacted by the U.S.-DOJ/CFPB court ordered settlements/claims so that my restitution check, or chargeback be process and delivered to me? A PDF copy of this message is attached to emailed messages. \n\nSincere regards, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : XXXX XXXX-under separate covers : XXXX. XXXX XXXX and XXXX. XXXX XXXX, Consumer Financial Protection Bureau % Senator XXXX XXXX U.S. Dept of Justice-XXXX XXXX XXXX Federal Trade Commission XXXX FTC ) ( FTC Report XXXX XXXX, re : Wells Fargo XXXX XXXX, GA ) XXXX XXXX XXXX XXXX XXXX XXXX ( Reference id # XXXX )","date_sent_to_company":"2023-02-14T14:48:22.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"6555564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-02-10T22:12:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I have submitted numerous requests for <em>investigation</em> of concerns for potential fraud in recent years. The settlement with the U.S. Dept of Justice <em>explains</em> it all. Details in this letter fine tune my points. \n\nMy <em>Wells</em> <em>Fargo</em> banking accounts have been affected with overdraft fees even as the funds were available, or the check had been paid."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[13.713405,"6555564"]},{"_index":"complaint-public-v1","_id":"3206036","_score":13.184008,"_source":{"product":"Mortgage","complaint_what_happened":"I contact your Office to ask for protection against Wells Fargo Banks foreclosures fraud, identity theft and illegal trades on my property, name and signature without any disclosures ; and failure to comply with its promises to help wrongfully foreclosed veterans. \n\nIt is not a secret that Wells Fargo bank operates a massive Ponzi Scam in US Courts and illegal trading of void US securities ( aka XXXX non-existing REMIC Trusts mortgages ) where Wells Fargo, acting as a fake Plaintiff for a fictitious Trust, steal people 's identities ; obstructs justice and illegally foreclose while Wells Fargo received enormous profits, at least $ 3-4 million my property by secretly reselling the same loan multiply times without any disclosures to me or sharing any benefits from trades - plus got the free house and proceeds from the sale. \n\nThe entire Wells Fargo bank 's scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger fraudulent scheme wherein the hidden players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks - without my knowledge, or consent, just by stealing my identity. \n\nA foreclosure initiated by Wells Fargo or defunct Trustees fails to comply with applicable law since none of them have the right to enforce the debt. ALL of them have received a benefit and some of them have received a windfall derived from trading on the borrowers signature on the note and mortgage in an amount far exceeding the principal amount loaned. And those benefits or trading profits were derived strictly because they were trading on the signature of the borrower, together with the borrowers name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. \n\nJudicial enthusiasm to give a free house to Wells Fargo bank via an empty nonexistent trust represented by a trustee with no trustee duties and whose authority derives from the nonexistent trust is to add insult to injury. When the market crashed none of the risk associated with this practice was absorbed by Wells Fargo or other banks that set it in motion. All of it was forced on borrowers who bailed out fraudulent banks with over {$30.00} Trillion taxpayers money even though they did not need a bailout but took it anyway. The banks ONLY concern is the preservation of the appearance of the loan as the base to a virtual tree and branches of derivatives that were traded in which WFB was not only relieved of any risk, but received trading profits equal to many times the amount loaned. All foreclosure litigation is thus a high stakes game for Wells Fargo bank who continue to conceal their true motives and intent. \n\nGovernments approval of the fundamental breach of the lenders obligation to make a viable loan seems like quackery to then give Wells Fargo bank, who is not a creditor, a free house and the proceeds of sale. Given the trading on the borrowers signature, name and reputation without disclosure much less consent, it seems like outright theft to reward them with a free house and the proceeds of foreclosure. This scheme was conceived in the context of a belief that they could get away with it and so far. The painful truth is that most people who left their keys on a clean kitchen counter were delivering a free house to a band of thieves who had already XXXX them several times. \n\nOn XX/XX/XXXX, President Obama announced that : Thousands of service members and veterans whose mortgages were wrongfully foreclosed on, or who were improperly denied lower mortgage interest rates in the national housing crisis, can receive significant relief. It is unconscionable that members of our armed forces and their families are among those who were most susceptible to losing their homes due to the unscrupulous acts of banks and mortgage lenders. He continued : \" If you are a member of the armed forces whose home was wrongfully foreclosed, you will be substantially compensated. The same provisions were stated under the Consent Judgement of XX/XX/XXXX in case XXXX and the National Mortgage Settlement, which Big Banks like Wells Fargo failed to adhere to. Lenders promised to review all foreclosures affecting American service members from XXXX onward. Service members wrongly foreclosed on would be compensated equal to the minimum of the lost equity, plus interest, at least {$110000.00}, plus other relief. None of these promises were fulfilled. \n\nI am a XXXX XXXX of the XXXX XXXX  XXXX XXXX, who received special recognition in the fight XXXX  XXXX XXXX. Returning to XXXX life, I found myself the victim of XXXX XXXX wrongful foreclosure filed on XX/XX/XXXX, or almost immediately after Wells Fargo and XXXX XXXX XXXX agreed to comply with the Federal Governments Orders to Cease and Desist. During last seven years, not once have I received any assistance from Wells Fargo Bank, even after I repeatedly request them to review my foreclosure. \n\nIve been subjected to endless bureaucratic and psychological torture committed by our countrys agencies as theyve failed me as a veteran, and a citizen. Again, I have never received a substantive response to my case every single response is a runaround letter. On the contrary, my foreclosure has turned into a major conflict. Wells Fargo Bank has hired an armada of lawyers, a force of two law Firms, with over 1,500 lawyers, against me, a solo ProSe female veteran. During the litigation, the enormity of our countrys corruption has been staggering. Not only does Wells Fargo have infinite resources to commit fraud against veterans, they have engaged a vast network of corrupt Illinois Court judges and politicians that aid and abet the Banks abuses against veterans. \n\nI once against respectfully request your Offices to use your authority to cease Wells Fargo Banks abuses and exploitations of American homeowners, especially veterans. I also request you to order Wells Fargo to comply with its promises under the Settlement, intervene in my case, and compensate me for other damages, including extreme emotional distress, total {$5.00} XXXX compensation requested. \n\nI also request a full audit for Natl Mortgage Settlement since Wells Fargo bank continues to operate its dark money laundering mill based on sales of illegal US securities ( aka fake REMIC Trusts XXXX ) to shady investors on foreign exchange markets, with full support from Judiciary and law enforcement authorities. \n\nStatement of Facts : On XX/XX/XXXX Wells Fargo bank acting under glimpse of XXXX Bank as Trustee for XXXX XXXX Trust, a non-existing fraudulent organization, filed a Complaint in Case XXXX where lawyer XXXX XXXX committed seven ( 7 )  perjuries on 3 pages, including a lie that XXXX was a Mortgagee for my loan with XXXX XXXX and Loan while XXXX was not a mortgagee. \n\nLawyer XXXX also lied that XXXX Bank is a Plaintiff and Trustee who is acting on behalf of Trust XXXX XXXX while XXXX Bank is not a Plaintiff, not a Trustee and this Trust is a fake which never was formed has absolutely no signs of existence. Moreover, XXXX Bank personally deny any involvement in foreclosures. In support to this fraudulent complaint lawyer XXXX ( still practices law ) submitted a forged Assignment with a separate page contained a stamped signature of long-defunct XXXX official XXXX XXXX. All Summons and Notices were intentionally served on a wrong address to prevent me from appearing in this case. \n\nThe first judge who handled this case and favorably ruled for Wells Fargo lawyers was XXXX XXXX XXXX, a well-connected judge from lawyers, bankers, realtors family, classmate with IL XXXX XXXX XXXX ( whose father XXXX XXXX is the most corrupt politician in Illinois ). XXXX ignored all violations, deficiencies, perjuries and forgeries committed by Wells Fargo lawyers ; disregarded defective service of process ( all Summons and notices were sent to unit XXXX while my unit is XXXX ) ; and favorably ruled for Wells Fargo bank whole lawyers from XXXX XXXX XXXX donated XXXX at least {$1000.00} for election. \n\nWhen I accidentally learned about this case, I appeared before XXXX and asked to vacate her void judgement, which she refused to do. Moreover, she threatened me from the bench and even sent me a criminal investigator to further scare and intimidate after I revealed her violations of the law and connections with Wells Fargo. \n\nXXXX recused herself from my case and it was assigned to XXXX XXXX XXXX, a well-connected judge who obtained his judicial seat through assignment from IL Democratic Party leader XXXX who regularly offers his patronage in distribution of judicial seats in exchange of donations and favors, of course. \n\nLawyers from Wells Fargo bank were absolutely confident that Judge XXXX ( whose son served XXXX as political aid ) will rule in their favor and ignore all laws and my evidence and documents, so on XX/XX/XXXX they recorded a Deed on my property based on void Order entered by corrupt XXXX XXXX, which is a glaring violation of my Due Process rights ( do not exist for people like myself in Illinois ). \n\nXXXX XXXX ( whose brother-in-law XXXX XXXX was Wells Fargos top lawyer from XXXX XXXX XXXX, and whose entire family is heavily involved in banking business ), didnt fail his parties of interests. \n\nHe completely ignored all my evidence and argument that the fake Plaintiff, Trust XXXX, does not exist and all evidence was forged and fabricated. XXXX was too busy cracking jokes about Murky XXXX practices while XXXX was not a mortgagee for my loan and had absolutely no relationship to this case. \n\nMoreover, XXXX refused to provide me a copy of a purportedly original document brought by Wells Fargo lawyers as a smoking gun evidence and claimed that it is exactly the same as attached to the Complaint, which was a lie. The document was not the same and lacked ANY chain of assignment, including forged stamped signature. XXXX XXXX even did not opened the Complaint to compare the documents when he ruled in favor of his parties of interests ; and criminally concealed this original document from the case records to defraud me and the Higher Courts. \n\nThe Appeal Court Justices XXXX, XXXX ( both XXXX XXXX friends who received money from WFB lawyers ) and XXXX never saw the document concealed by Judge XXXX, so they ruled that since XXXX ( not a mortgage ) assigned its interest to non-existing REMIC Trust XXXX XXXX XXXX XXXX, they deny my Appeal and award my property to Trust XXXX XXXX who pretended to be a Plaintiff. This is absurd and totally void decision. \n\nIllinois Supreme Court refused to handle my Petition for review ( ProSe people are not considered as equal parties by IL Court and have absolutely no chance to receive any justice since Illinois Judges only support those who hire lawyers, preferably from their Family and  Friends JustUs Club ( as IL Court system is publicly known ) ; and those who pay judges directly. \n\nSince I relied on US Supreme Court numerous rulings that fraud upon the Court vitiates the entire proceedings and can be attacked at any Court and at any time, I appeared back to Judge XXXX Room and asked to vacate his void judgment and review my case de novo. \n\nXXXX refused to vacate his void Order and attacked me with threats. He even invited a fraudulent impersonator, lawyer XXXX XXXX XXXX, a public officer who spent at least 30 minutes of his taxpayers funded time as a Real Estate Tax Bureau officer ( where XXXX XXXX racks his million lowering property taxes for his well-connected friends ) posing as a criminal prosecutor who will hold me in criminal contempt for refusing to comply with XXXX void Order. When I discovered that criminal prosecutor XXXX is a fake, it became obvious that XXXX, who just lost his judicial election, was courting a vote from XXXX hoping to be assigned as an Associate Judge through XXXX connections with XXXX XXXX, in exchange of a small favor to scare me and deprive from my rights to Justice. All my complaint to XXXX XXXX XXXX and XXXX XXXX were ignored or responded with runarounds since all authorities always cover for corrupt judges in our State. \n\nMy attempt to find Justice from Appeal Court also failed. Judges XXXX ( a crony to IL Supreme Court XXXX XXXX XXXX ) and XXXX, ( wife of well-connected lawyer XXXX ) denied my Motion to Stay sale due to void Judgement and my property was sold to a third party buyer who is currently in possession of stolen property. \n\nDuring all time in question Wells Fargo bank refused to communicate with me about this fraudulent foreclosure and referred to their lawyers, XXXX XXXX XXXX who also refused to talk to me hiding behind the back of their pre-paid judges. From XXXX to present time I received a binder-worth runarounds from myriad Wells Fargo bank telling me that my property was sold on XX/XX/XXXX, my foreclosure was filed in XXXX and even asking me if this foreclosure was valid. One employee  advised me that WFB does not have any documents about my foreclosure at all. \n\nAll of it is a glaring violation of the Settlement supported and enabled by judges who repeatedly abused their positions of public Trust and power to deprive me from Due Process rights and enable WFB fraud upon the Court. \n\nAt XX/XX/XXXX hearing of case XXXX, XXXX XXXX v. XXXX, et.al, XXXX XXXX XXXX continued the XXXX XXXX XXXX organized campaign of terror against a Pro Se litigant while protecting banks fraud in Illinois Court and personal interests of certain judges and politicians. At the hearing, XXXX used her position to not only to deny my Petition with prejudice but to also threaten me with armed police force by holding me in custody, against my will, without any cause and without any explanations in her court room after the hearing. XXXX, who earned her position through her personal connections, must resign from this case. My case must get a fair hearing with a judge who will not use intimidation tactics against innocent civilians in their court. \n\nBefore the hearing started, XXXX XXXX court room was entered by a Sheriff ( XXXX, as I later learned from deputy XXXX  ), who was apparently called by XXXX XXXX ( she is in control of her venue ) who went to the Judges chambers hallway and called XXXX XXXX XXXX XXXX and the next room deputy XXXX to give them instructions. \n\nWhen the hearing started, XXXX XXXX XXXX denied my Petition with prejudice, without giving me any chance to argue it. She ignored US Supreme Court authority and disregarded over 100 years of binding precedents which rule that void judgments, like mine, can be attacked at any Court and at any time. Furthermore, she declared that the Decision entered by XXXX XXXX, XXXX, XXXX and XXXX in Case XXXX IL App ( 1st ) XXXX now is the LAW, which effectively legalizes fraud in Illinois and violations of all Rules and applicable laws. To remind all of you, my case was based on flagrant fraud upon the Court and Plaintiff XXXX Banks lack of standing, forgery, perjury and obstruction of justice. The XXXX decision cited by XXXX XXXX as the LAW in my case was entered by Appeal Court Justices who never saw key evidence due to corrupt XXXX XXXX obstruction of justice when he excluded documents based on which he entered his decision from my case file. Only based on this fact my case must be reviewed de novo by an independent judge. Besides heinously declaring fraud into law, XXXX XXXX used her position to cause me emotional and physical harm by attempting to falsely imprison me. \n\nAt the end of the hearing, XXXX brought up my objection to XXXX decision by saying she was not going to address it that day and then left the courtroom. As soon as XXXX XXXX left, I was approached by deputies XXXX, XXXX, and XXXX who refused to let me leave the room and who had been stationed in the room since my arrival. All three officers were armed. \n\nXXXX XXXX demanded my drivers license, without even introducing himself. As I said above, I asked Deputies about his name, and it was given to me by deputy XXXX who said it was XXXX XXXX. I politely asked why he needed my documents. XXXX XXXX replied that he would tell me later. I asked the officers several times why I was being held in the Court room and why they needed my Drivers license, but all of them refused to give me an answer. When I asked if I could leave, I was told that I was in custody ( in fact, my custody under the law is considered as XXXX with armed force, solely with intent to scare, intimidate and coerce me to give up on my civil rights ). After about 20 minutes XXXX XXXX returned to the court room, gave me back my drivers license and left again. I asked deputies XXXX and XXXX, who continued to block the door from both sides, about what was going on and why I was in custody, they said that XXXX XXXX was searching for some warrants or any other cause to arrest me, and they will explain everything later. \n\nAbout 10 minutes later, XXXX XXXX shouted from XXXX XXXX hallway door that I was good to go without reappearing again. I asked again for an explanation for why I was detained for 30 minutes, which XXXX and XXXX just ignored. They walked away from me and left me there without any explanations, and without any apologies. It is important to note that I was alone in the room with these three armed deputies who were blocking the front door to prevent me from leaving ; and ready to arrest me in case I overreacted or attempted to fight back against their false imprisonment of me in XXXX courtroom. \n\nThe officers illegally seized my license from me in violation of 4th Amendment and under duress without any warrant or cause. They detained me while looking for a probable cause to arrest me. My record is totally clean ; there were absolutely no grounds for holding me in custody since I did not show any signs of inappropriate or suspicious behavior. All my Motions to reverse void judgement are based on the law and numerous precedents ; and I ALWAYS present them in the professional and respectful manner to judges. \n\nIt was obvious that XXXX XXXX orchestrated this false detainment ( which I consider as an aggravated XXXX to force me give up on my civil rights ) me in her courtroom, Room XXXX, for 30 minutes in an attempt to threaten and intimidate me and provoke a situation to cause mental anguish that might have instigated my arrest ; as well as intent to cause me body harm by placing under extreme emotional distress which XXXX definitely succeeded. \nXXXX malicious and intentional conduct ( since she was the only one who can call the Sheriffs and instruct them to detain me ) was heinous and beyond the standards of civilized decency or utterly intolerable in a civilized society. As the result, upon returning home I suffered from severe emotional breakdown, which I still can not recover from. \nThis was clearly an attempt by XXXX XXXX to exercise judicial terror against me to deter me from exposing the Courts corruption and judicial ties to my plaintiffs. \n\nThis was unquestionably a case of false detention, false imprisonment and XXXX where several armed individuals held another person a hostage, by fear, against her will to achieve certain unlawful goals, such as help Judges to cover for banks fraud upon the Court and  criminally and civilly deprive citizens of civil rights. \n\nLooking at XXXX XXXX record it is comes as little surprise that she is not a judge but a Mafioso in a judges robes : XXXX obtained her position as a judge through her husband, XXXX XXXX XXXX XXXX, who has publically known ties to the mafia corruption ( published in XXXX, Missing the Lifeboat?? book ), along with his long-time friends XXXX XXXX, XXXX XXXX and XXXX XXXX ; and his connections with corrupt judges like XXXX XXXX, who was closely related to the first judge in my case, XXXX XXXX XXXX who was XXXX clerk and who donated XXXX substantial amount of money. \n\nXXXX in XXXX lost her election, receiving only 22.4 % of votes, but in XXXX was appointed to her seat by the IL Supreme Court through her personal connections, specially taking into consideration Justice XXXX XXXX, XXXX XXXX XXXX work for XXXX husband, XXXX XXXX XXXX XXXX as his clerk. \n\nBetween XXXX XXXX XXXX donated and loaned to herself over {$150000.00} for her election, which is synonymous to buying her seat. Some of her donors include : XXXX XXXX, uncle of XXXX XXXX who entered original void decision in my case, and who was closely connected to XXXX XXXX family, who ruled in XXXX decision. \n\nXXXX also received money from a number of lawyers from XXXX XXXX XXXX including partner XXXX XXXX and XXXX XXXX, who represent Wells Fargo bank ( acting under glimpse of XXXX Bank ), plaintiffs in my case, and substantial amounts of money from Big Banks. XXXX has no business presiding over this case given her blatant conflict of interest with my cases Plaintiff and her corrupt history in the court. \n\nWhile Judges in other States confront Wells Fargo bank fraud in their Court rooms and protect US citizens, certain Illinois judges, especially those who obtained their positions in corrupt manner, are willing to commit fraud themselves to cover for Wells Fargo bank money laundering mill of illegal US securities in IL Courts.\n\nIllinois Judges always stood for Wells Fargo bank fraud upon the Court, in gross disregard of the law and evidence. \n\nAs an individual I have absolutely no remedies against Wells Fargo fraud and judicial corruption even though my case is a text-book fraud upon the Court and IF US Supreme Court decisions means something to IL judiciary, the decision must be revoked and my case must be reviewed de novo. \n\nI once again respectfully request your help and attention to this matter and ORDER to Wells Fargo bank for compensation for abuses. \n\nAlso, please advise does US Supreme Court still have any binding authority over local Courts or they can ignore it? When I mentioned US Supreme Court decision in XXXX  case that standing is required in every claim, Judge XXXX XXXX ( five times election loser assigned with XXXX XXXX patronage ) advised me that he is only obligated to follow IL Appeal Court decision ( based on fraud upon the Court ) and ruled in favor of Wells Fargo. \n\nSincerely XXXX XXXX","date_sent_to_company":"2019-04-09T12:06:27.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3206036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-04-09T11:42:22.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Ive been <em>subjected</em> to endless bureaucratic and psychological torture committed by our countrys agencies as theyve <em>failed</em> me as a veteran, and a citizen. Again, I have never received a substantive response to my case every single response is a runaround letter. On the contrary, my foreclosure has turned into a major conflict. <em>Wells</em> <em>Fargo</em> Bank has hired an armada of lawyers, a force of two law Firms, with over 1,500 lawyers, against me, a solo ProSe female veteran."],"issue":["Trouble during payment <em>process</em>"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[13.184008,"3206036"]},{"_index":"complaint-public-v1","_id":"18603698","_score":12.416996,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo case number : XXXX Subject : Formal Complaint Regarding Mishandling of Original Trust Documents and Misrepresentation by Branch Staff I am submitting this formal complaint to document a serious and highly concerning incident that occurred during my visit to your branch on or about Saturday, XX/XX/year>. The situation involved the mishandling of my original trust documents, repeated misrepresentations by a staff member, and the unnecessary and inappropriate involvement of law enforcement based on the employee 's inaccurate statements. \nDuring my visit, I provided a bank representative with my original trust documents and accompanying copies for the purpose of opening a new account. The representative attempted to scan the documents, explaining that the machine was malfunctioning and the documents were \" blanking out. '' Despite multiple attempts, she stated that neither the originals nor the copies would scan successfully. \nThe representative 's demeanor changed significantly after I inquired about the FDIC maximum insured amount for a trust. Her initial response was evasive, and when I reiterated my question, her entire persona became unprofessional and dismissive. \nSubsequently, the representative returned the copies to me but failed to return the original trust documents. When I asked for them, she repeatedly and adamantly insisted she had already returned them and claimed they were no longer in her possession. To demonstrate that the documents were not with me, I emptied the contents of my bag onto her desk. I clearly stated that I would not leave the branch until my sensitive original documents were located. \nInstead of taking accountability and searching for the documents, the representative remained seated with a dismissive attitude, stating, \" It's not on my desk, not in my drawers, I don't have it. '' She then escalated the situation inappropriately by contacting the bank 's police XXXX, informing the XXXX that she had already returned the originals and suggesting that I be searched. She specifically implied I was withholding the documents by telling me to \" check [ my ] pockets. '' I explained to both the representative and the XXXX that the documents must still be in the back area, where she had previously gone on XXXX occasions. The situation was resolved only when another bank customer, overhearing the commotion and seeing the police XXXX called, decided to assist the situation and went into the banks back section, searched for the documents, and brought them to the representative and handed her my original trust documents, stating they had been found in the back area. This confirmed that the documents were indeed misplaced by the representative and never returned to me as she repeatedly claimed. \nThis incident caused significant distress, wasted considerable time, and demonstrated a profound lack of professionalism, accountability, and appropriate care in handling highly sensitive legal documents. The false statements made to law enforcement unnecessarily escalated the situation and placed me in an unjust position. \nFollowing the location of my documents, I asked how the account opening process could proceed. The representative responded curtly, \" I am done here with her. '' When I insisted on completing the account opening, she stated there was nothing she could do because the documents would not scan. She then directed me to another representative 's cubicle, provided that individual 's business card, and instructed me to scan the documents myself to the email address provided on the card. This abdication of responsibility further compounded the negative experience. \nI am formally requesting the following actions be taken : XXXX. A full and impartial internal investigation into the conduct of the employee involved. \nXXXX. Written confirmation of the investigation 's findings and the specific corrective actions taken. \nXXXX. XXXX that appropriate measures and retraining will be implemented to prevent similar incidents in the future, particularly concerning the secure handling of original legal documents. \nXXXX. Compensation for documented operational and administrative harm incurred as a direct result of this incident. \nI expect a response detailing how this matter will be addressed within XXXX business days. I trust your institution will take this matter seriously and act with the professionalism I expect from my banking partner.","date_sent_to_company":"2026-01-09T17:36:09.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"33312","tags":"Older American","has_narrative":true,"complaint_id":"18603698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-09T16:23:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> case number : XXXX <em>Subject</em> : Formal Complaint Regarding Mishandling of Original Trust Documents and Misrepresentation by Branch Staff I am submitting this formal complaint to document a serious and highly concerning incident that occurred during my visit to your branch on or about Saturday, XX/XX/year>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[12.416996,"18603698"]},{"_index":"complaint-public-v1","_id":"11975358","_score":9.678511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under Section 605b this should be removed from all third parties and not limited to the major XXXX credit bureaus within 4 days. \n\nWells Fargo, N.A. Bank, XXXX, XXXX, and XXXX Subject : Formal Dispute of Inaccurate Information and Failure to Properly Investigate - Citing CFPB Report Findings. Dear XXXX, XXXX, and XXXX, I am writing to formally dispute inaccurate information present on my credit report and to express serious concerns about your investigative practices, particularly in light of recent findings by the Consumer Financial Protection Bureau ( CFPB ). \n\nMy concerns are based on my direct experience with inaccurate reporting and the documented systemic issues highlighted in the CFPB 's reports on credit reporting agencies. Clearly and concisely state the specific inaccuracies you are disputing. Be precise. For example : \" I am disputing the following items on my credit report : I am writing to formally dispute all information contained in my credit report and to demand its immediate and complete deletion. Furthermore, I am alleging serious violations of my privacy rights and the Fair Credit Reporting Act ( FCRA ) concerning the reporting, sharing, and selling of my private, sensitive information without my explicit written consent. [ Clearly and concisely state the inaccuracies you are disputing, even if it's everything. \n\nFor example : \" I am disputing all information contained in my credit report, including but not limited to : accounts, collections, inquiries, personal information, and any other data pertaining to me. '' ] I assert that the presence of any information in my credit file violates my privacy rights. I have not provided written consent for the collection, retention, sharing, or sale of my personal information. \n\nThis unauthorized use of my data constitutes a clear violation of my rights under the FCRA, the Privacy Act of XXXX, and potentially other applicable state and federal privacy laws. Specifically, I allege the following violations : Unauthorized Reporting : My credit report contains information that I have not authorized you to collect or report. This includes [ mention specific examples, if possible, e.g., accounts I do not recognize, outdated information, etc. Unauthorized Sharing/Selling : I have not given my written consent for you to share or sell my personal information to third parties. \n\nI am particularly concerned about the potential sharing of my data with [ mention specific types of entities if you suspect any, e.g., marketing companies, debt collectors, etc. ]. Failure to Obtain Written Consent : The FCRA and other privacy laws require that you obtain my express written consent before collecting, sharing, or selling my sensitive personal information. You have failed to do so. I demand that you immediately : Delete my credit report in its entirety. This includes the removal of all information related to me. Cease all reporting, sharing, and selling of my personal information. Provide me with written confirmation that my credit report has been deleted and that all related data has been purged from your systems. Provide me with a detailed accounting of all entities to which my information has been disclosed, including their contact information. \n\nI am aware of the CFPB 's findings regarding systemic issues with credit bureau compliance with the FCRA, particularly concerning consumer disputes and privacy rights. I expect a prompt and thorough response to this demand. Failure to comply with my demands and address these serious privacy violations will leave me no choice but to pursue all available legal remedies, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action to protect my privacy rights. I expect a response within 10 days outlining the steps you will take to comply with my demands. Collection Agency : [ Collection Agency Name ] - Reporting a debt I do not owe. This debt is not mine due to [ Explain why, e.g., identity theft, mistaken identity, debt already paid ]. I am attaching documentation supporting my claim, including [ List documents, e.g., police report, FTC affidavit, previous payment confirmation ]. Incorrect Personal Information. \n\nI am particularly concerned by the CFPB 's findings, as detailed in their recent reports to Congress, which reveal significant deficiencies in how credit bureaus handle consumer disputes and reinvestigations. These reports, including the XXXX and subsequent reports, document a pattern of unsubstantiated conclusions, inadequate investigations, and a failure to properly report outcomes to the CFPB. \n\nThe CFPB 's findings that consumers often discover inaccurate debts, including medical bills, only by reviewing their credit reports underscores the importance of accurate reporting and thorough investigations. I am concerned that my dispute will be handled with the same lack of diligence highlighted in these reports. I am bringing these reports to your attention to emphasize the seriousness of this matter and my expectation of a thorough and fair investigation. Specifically, I reference the CFPB 's findings that credit bureaus often fail to conduct reasonable reinvestigations, instead closing complaints quickly without proper review. \n\nI demand that you comply with your obligations under the FCRA and conduct a thorough and individualized reinvestigation of the items I have listed above. Do not simply rely on the information provided by the furnishers. I expect a detailed explanation of the steps taken in your reinvestigation and the basis for your conclusions. Subject : Formal Dispute - Failure to Increase Credit Score After Substantiated Corrections & Refusal to Provide Annual Free Credit Report. I am writing to formally dispute the continued inaccuracy of my credit report and your failure to reflect corrected information in my credit score, as well as your refusal to provide me with my free annual credit report as mandated by law. I submitted a dispute regarding the following inaccuracies on my credit report : [ Clearly and concisely list the SPECIFIC inaccuracies you disputed. Be precise. For example : in Reinvestigation Response, you responded, stating that the inaccurate information had been corrected. \n\nHowever, despite these corrections, my credit score has not increased appropriately. This suggests a failure to properly update my report and recalculate my score as required by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. Specifically, I believe your actions violate : XXXX U.S.C. XXXX ( a ) : This section outlines the requirements for reinvestigation of disputed information. Your failure to reflect the corrected information in my credit score suggests an incomplete or inadequate reinvestigation. XXXX U.S.C. XXXX : This section guarantees my right to a free annual credit report. I have requested this report on [ Dates disputed with CFPB ] and have not yet received it. This constitutes a direct violation of my rights under the FCRA. \n\nFurthermore, I am entitled to a clear explanation of how my credit score is calculated and why it has not increased despite the removal of inaccurate information. I request that you provide me with this explanation, including the specific factors and algorithms used. I demand that you immediately : Recalculate my credit score to accurately reflect the corrected information. Provide me with my free annual credit report as requested on [ Date of Request ]. Provide a detailed explanation of the credit scoring process and why my score has not increased. My credit score per AI calculations and debt-to-income ratio, should be XXXX.","date_sent_to_company":"2025-02-06T15:24:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30088","tags":null,"has_narrative":true,"complaint_id":"11975358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-06T14:54:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em>, N.A. Bank, XXXX, XXXX, and XXXX <em>Subject</em> : Formal Dispute of Inaccurate Information and Failure to Properly <em>Investigate</em> - Citing CFPB Report Findings. Dear XXXX, XXXX, and XXXX, I am writing to formally dispute inaccurate information present on my credit report and to express serious concerns about your <em>investigative</em> practices, particularly in light of recent findings by the Consumer Financial Protection Bureau ( CFPB )."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[9.678511,"11975358"]},{"_index":"complaint-public-v1","_id":"3876330","_score":8.639594,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is a new complaint, although it will address prior complaints and mention facts about the results of those complaints. This complaint is based on contradictory information I was given regarding whether or not an investigation was ever initiated. In the latest letter I received from Wells Fargo Bank regarding the fraud claim I reported way back in XX/XX/2019, they claim that they could find no claim to research. They touch on a couple things mentioned in my complaints, but fail to provide me with any real reassurance that they in fact tried to help me. I will address their statement of not being able to find a claim to research first, because now that they have stated this more than once, I will point out that I have informed WF in person, by telephone, in writing, and by the complaint process that there was fraud on my account. They have asked me for applicable claim numbers in past letters from them to me, and I have answered that I was never given any claim number by any of the numerous WF personnel I discussed this matter with. I called the CFPB last week and spoke with a woman who agrees with me that if I called fruad and reported an error, and WF then froze my online account access, then there certainly would be a record of such an event. \n\nThat is the first reason that I don't believe them when they say they couldn't find a claim. WF is either deliberately lying to me, or they are simply incompetent. Either way, that excuse obscures the magnitude or pervasiveness of this unfair treatment that I have had to endure from them since the onset of this nightmare. Their discriminatory behavior sort of detracts from the transparency it has promised regarding this process of resolution in what I can only imagine is their effort to blur the facts the from the CFPB investigating their deficiencies regarding Regulation E.I 'm sorry, but I'm done with being treated like this. \n\nIf WF thinks I'm mistaken, let me explain why this is proof of discrimination and unfair business practices ; after all, they take this very seriously and want to know what happened. \n\nI called into WF with questions regarding this situation after receiving notice that my account was in overdraft and instructing me to call them. So I did. When I made the call, I explained who I was and that I had questions and wanted to address issues related to it. I mentioned to the rep who answered that I had been in touch with XXXX XXXX in the executive offices. To my surprise, he acknowledged my correspondence with her. Odd though, because apparently he was only given information that my claim had been \" re-opened '', and couldn't provide me any other information whatsoever. He was very rude, and since WF continuously mentions that my account was closed due to prolonged overdraft and how they sent me letters telling me about it, and told me to contact them, I will now mention that if they are going to instruct customers to call in with questions they might have, or to discuss matters regarding their overdraft issues during a pending investigation ( which I believe would be the correct status of it, given the information that the rep on the phone just informed me of ), they should provide the person who will be answering the phone the pertinent information needed when the consumer complies and calls in. \n\nThat being stated, I am confused as to whether or not the investigation had actually been \" re-opened, '' or not? Which is it? This is very deceptive and misleading. I mean, unless the rep I spoke to was lying to me, then an investigation did commence at some point, and then was closed at another point. That likely being the situation, then how is it that no claim can now be found? More confusing is why was I not informed of any such closure or \" re-opening '' in writing as Regulation E states must be done? \n\nI'll address other statements made in the companies response to my last complaint now. as well. This latest response from WF also mentions that they contacted the XXXX branch in XXXX where I hand-delivered the proof of my allegation, yet the manager there doesn't remember me or working with me on my complaint. I'd like to know if they also asked Ms. XXXX if she remembered me? After all, I have mentioned her name simultaneously when mentioning the branch manager as the experiences I have had with both of them are connected. So, did WF ask Ms. XXXX whether or not she remembers me? If not, why? As for the branch manager, my response is that if I can remember that a pregnant   banker was wearing a XXXX top, and was leaving for maternity leave on a Saturday, it is grossly offensive that I am expected to believe that a bank manager wouldn't remember a customer who came into branch WITH A WITNESS, I might add, to discuss a fraud that also involved the XXXX of his customer, which he was shown graphic photographs to substantiate the XXXX, and which he commented on ( referring the matter as similar to a robbery, and informing me that I would have no rights in the matter )!!! If he truly can't remember me then perhaps he was given his position through means other than qualifying traits or experience. It is convenient that he would have XXXX now that I have continued to allege his discriminatory behavior and factual information regarding our meeting which certainly doesn't help WF 's attempts at trying to seem as though they've acted in good faith. Of course this manager doesn't remember me, he can't admit that he confirmed to me that he forwarded an SD card that had not only audio and video and photographic PROOF of the fraud, but also a declaration of facts contained in it ; but guess who can? My witness, that's who. I certainly hope the CFPB is paying close attention to this matter and the words I am writing now, because clearly there is something wrong here on WF 's error resolution procedures and the way they have treated me throughout this ordeal. The manager is lying. It's just more XXXX, but for the record, he is XXXX XXXX XXXX maybe, full head of XXXX hair. He was dressed in a suit and we sat at the first table to the left of the door. It took a while to get his full attention with his incessant waving of his hands to someone behind the counter mouthing for them to turn the cameras on ; like I was about to rob the bank or something. I can't express how insulting it is that he now claims he can't remember me. I'm not even going to say anymore about him. Like I said, he is lying. If anyone wants to know, Ms. XXXX is a beautiful woman with light XXXX XXXX skin and XXXX XXXX XXXX XXXXXXXX hair. She was wearing a dress that had brown and white and flowers on it, I think, but I might be wrong about that. She was very helpful, actually. He was not. \n\nSince I'm discussing that meeting, let me mention how unspeakably frustrating it is that WF now claims that the same documentation that went through two separate hands at that branch, first Ms. XXXX 's, and then the manager 's, can now not be located! \n\nAnother surprise! \n\nMs. XXXX obviously distributed it as promised to the branch manager, whom then assured me that he forwarded it to fraud. That is another level of incompetence that has now altered my opinion of the manager at the branch and the procedures in place for this type of documentation retention. If WF lost the proof of the fraud, then they should be liable regardless. I can't get that documentation back. More proof of unfair and deceptive treatment, given that in front of a witness, I was assured that it was sent off to fraud. Where does that leave me? \n\nOh, I know, out in the cold. \n\nThis is what else I would like WF to address : why I am being treated unfairly by denying me my rights outlined under Regulation E? According to what I have read, my situation in particular indicates that this particular error resolution matter appears as unsafe and unsound banking practices that violates the law or regulations and seems to me that I am now on the other end of a company engaged in abusive and deceptive practices and I would like the CFPB to take note of this and investigate. Among the failures I believe were made in this situation, the following would apply : First : Notice of the error was given in person, by telephone and in writing. \n( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number ; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.\n\nI complied totally with this. The bank manager printed out my statement and we went over the  transactions together in branch. Again, he promised this information would be given to fraud. His XXXX XXXX  is not my responsibility. \n\nIf there was an investigation, and I was told there was, and then I was told there wasn't, but either way, this is what it says should have happened, but didn't : Reasonable investigation. A creditor must conduct a reasonable investigation before it determines that no billing error occurred or that a different billing error occurred from that asserted. \nAlso ... it states : 13 ( c ) Time for Resolution ; General Procedures 1. Temporary or provisional corrections. A creditor may temporarily correct the consumer 's account in response to a billing error notice, but is not excused from complying with the remaining error resolution procedures within the time limits for resolution. \nLets see ... it's been well over a year. I should be given interest when if my rights are ever enforced and my money returned to me. \n\n2. Finality of error resolution procedure. A creditor must comply with the error resolution procedures and complete its investigation to determine whether an error occurred within two complete billing cycles as set forth in 1026.13 ( c ) ( 2 ). \n??? \n( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.\n\n( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.\n\nPerhaps two might apply, but 3 certainly does. My account was closed in what should have been the middle of an investigation and I was harassed about the balance and given no information when I called in as instructed. Also, I shouldn't have been in overdraft to begin with as I have mentioned several times in previous correspondence because ... \n( i ) Relation to Electronic Fund Transfer Act and Regulation E. If an extension of credit is incident to an electronic fund transfer, under an agreement between a consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account, the creditor shall comply with the requirements of Regulation E.\n\nFinally, I want to point out that : Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. \n\nWells Fargo has consistently sent me the \" need more information '' letter, when they should have been following the law. I demand that my money be returned to me at once, given that I have just outlined the deficiencies they have demonstrated in handling my dispute. It is completely unfair and discriminatory. I don't want another \" need more information '' letter from them. I have already given them all of this. The facts are that I provided WF with documentation that proved that someone other than me stole my money. That documentation was recorded evidence using the exact amounts and terms which clearly proved that I was victimized. The statements, \" we already got XXXX dollars of his Social Security money '', and \" we got XXXX as soon as he got it '', and \" did he bring the money? Yeah, it's in the glove box, but there's XXXX missing. There was supposed to be XXXX! We think XXXX took it. \", and \" I just want my XXXX that he owes me and I'm going to Utah ''. I have went over transactions with the bank manager in XXXX. He pointed out a few of these transactions from the statement he printed out at the branch. The dates were from XX/XX/2019 through the end of XXXX. Also recorded in those documents was a statement made by one of the perpetrators of my victimization which he claims that he prevented me from checking my balances from  the time I got my account set up, until the middle of XXXX. Given I have none of the original recordings anymore, or account access to be sure, maybe WF can use that info to assist with it's determination. For the record, this victimization is ongoing as I've mentioned several times. I just was awarded XXXX XXXX dollars in a civil verdict against two of the people who originally began this insane crusade of harm against me. I wouldn't trust WF with one penny of it, and even with this judgement, I want my money back. I REFUSE to sit back and allow the people who have done unspeakable things to me to be given MY OWN MONEY FOR XXXX ME ... even if WF is willing to do so. \nIf I am not given my money back, I am contacting the CFPB Ombudsman with the information provided herein. I WILL be hiring an attorney and I WILL be suing WF for this situation. This is certainly something worth fighting for. I will be waiting for my next \" more information letter '', WF. If that is what I receive instead of a check, then I will cease communication until I am represented by an attorney. \n\nYours Faithfully, XXXX XXXX Account Number XXXX PS I am attaching a letter from the OCC stating this is RegE and a letter I received from WF which I think proves that they knew of a claim? \nDebit Card Ending in XXXX","date_sent_to_company":"2020-10-01T10:57:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95336","tags":null,"has_narrative":true,"complaint_id":"3876330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-10-01T09:04:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["This complaint is based on contradictory information I was given regarding whether or not an <em>investigation</em> was ever initiated. In the latest letter I received from <em>Wells</em> <em>Fargo</em> Bank regarding the fraud claim I reported way back in XX/XX/2019, they claim that they could find no claim to research. They touch on a couple things mentioned in my complaints, but <em>fail</em> to provide me with any real reassurance that they in fact tried to help me."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[8.639594,"3876330"]},{"_index":"complaint-public-v1","_id":"8234693","_score":6.8652506,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is to complain against the Wells Fargo Bank ( WFB ).\n\nURGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of WFB to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute ( Ref : XXXX ) with WFB. \nIn order to clear up the myriad of letters and correspondences I have hitherto sent to WFB respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion.\n\nIt is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. \nMy complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WFB to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.\n\nDuring the complaints process with WFB, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. \nGeneral Obligation : Between XXXX  and XX/XX/, I fell victim to XXXX  multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my WFB account to fraudulent investment firm ( s ). \nWhen determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether WFB did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of WFBs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether WFB promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether WFB was in compliance with its own policies and procedures ; ( v ) whether WFB owed duties to myself, what the scope of those duties was, and whether WFB did not uphold those duties ; ( vi ) whether WFBs conduct was unfair ; and ( vii ) whether WFB has within its power the ability to, and should, compensate me for the harm that has befallen me.\n\nUpon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. \nIn providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, WFB must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.\n\nGranted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element.\n\nHowever, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that WFB did not foresee the fraud and disregarded even the most obvious dangers in this respect.\n\nSituations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.\n\nWFBs Position : On XX/XX/2023, WFB wrote in a letter Recently, your fraud inquiry was forwarded to us for our review. We found that between XXXXand XX/XX/2023, you authorized multiple wire transfers totaling {>= $1,000,000} for the benefit of XXXX XXXX XXXX XXXX XXXX As the money will not be returned from the receiving bank, we are not able to reimburse you. At this time, we consider your inquiry closed.\n\nPlease note that a wire transfer is an immediate form of payment and can not be reversed after the funds have been deposited in the beneficiary 's account, even if you believe you are a victim of fraud. To learn more about protecting yourself from fraud, visit our Fraud Protection Center at wellsfargo.com/privacy-security/fraud/.\n\nRefuting WFBs arguments from a purely logical perspective : WFBs position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that common-sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint.\n\nIn WFBs view, it is implied that we should not home in ( and consequently rely ) on unwritten laws, practicality, good judgement, reasonableness, sharpness, sensibleness, past outcomes, and insight, when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible.\n\nImagine a view according to which the one and only thing that can make WFB morally obligated to do something is having it written down somewhere. Pursuant to this view, if WFB encounter the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as WFB.\n\nI have reviewed the material hereto sent by WFB carefully, and it unfortunately provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind.\n\nIt is perfectly obvious that WFB, inadvertently, employs a subtle approach in addressing some of the key questions in a manner which neither provides me with adequate support nor protects anything other than its own interests.\n\nIt is WFB here, who has the burden of proof, to show that it has exercised the duty of care, that is to say, that WFB adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is WFB that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable, and that my proposed degree of care is not, and has not been, commensurate with WFBs capacity, experience, expertise, or scope of services in any way. To reemphasize, WFBs indisputable overriding purpose is by no means to purely execute transactions in a blind and blank fashion, but rather to strike a balance between executing those transactions and capitalising on its undeniably vast capabilities to protect consumers thereby enhancing market integrity.\n\nApropos of the fluidity of the concept of reasonableness, all WFB has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one-inch toward explaining why various regulatory authorities, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience.\n\nWFB is obliged to take some action if it is sufficiently aware of a real possibility that a fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. \nThere are some recommendations to organisations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognise customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimise financial harm.\n\nThese recommendations are established as a general principle, the organisation should deliver a service that : 1 ) Takes a proactive approach to minimising risks, impact and incidences of financial harmand it sets out systems and tools for the prevention and detection of fraud and financialabuse. As a general point, it says organisations should ensure that all systems aredeveloped using technologies and methodologies that are effective in the prevention offraud and financial abuse, through authorised and unauthorised payments, therebyminimising the risk of financial harm to customers. As regards to the detection of fraud andfinancial abuse, it says the organisation : A ) should have measures in place across all payment channels and products to detectsuspicious transactions or activities that might indicate fraud or financial abuse. It thenlists the following examples of suspicious activity on customer accounts : a.multiple cheque books ; b.sudden increased spending ; c.transfers to other accounts ; d.multiple password attempts ; e.logins from new devices, multiple geographical locations ; f.sudden changes to the operation of the account ; Unusual transactions aretransactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification.\n\ng.a withdrawal or payment for a large amount ; h.a payment or series of payments to a new payee ; i.financial activity that matches a known method of fraud or financial abuse.\n\nB ) organisations should have a process in place to ensure that staff make contact withthe customer to verify the financial activity, challenge its authenticity, explain the natureof the suspected or detected fraud and discuss an appropriate plan of action.\n\nWFB are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified.\n\nRather than empathising with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development and sustainability WFB adopts a rather insouciant attitude toward my financial predicament portrayed herein.\n\nI am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by WFB in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status-quo that is corrupting our society at its core. \nConclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only XXXX of a number of possible endeavours undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. \nAstonishingly, I am pondering how it is that, despite being shown that WFBs business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. WFBs non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself.\n\nIf it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that WFB pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary.\n\nIn summary, I respectively ask your organisation to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint.\n\nI look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.\n\nThank you. \nXXXX XXXX XXXX","date_sent_to_company":"2024-01-27T15:35:22.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"91011","tags":null,"has_narrative":true,"complaint_id":"8234693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-27T15:11:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This is to complain against the <em>Wells</em> <em>Fargo</em> Bank ( WFB ).\n\nURGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of WFB to use your organisation 's service, seeking a formal, impartial <em>investigation</em> to amicably settle my dispute ( Ref : XXXX ) with WFB."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[6.8652506,"8234693"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22}]}},"product":{"doc_count":22,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":7},{"key":"Other banking product or 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