{"took":106,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1499,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2690806","_score":18.901232,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Wells Fargos response to the last complaint appears to have not been properly investigated within Wells Fargo. As a result, their response appeared rote as they refused to take responsibility for a situation that they created. \n\nI have contacted the company and can not seem to resolve the problem to my satisfaction. \n\nWells Fargo customer service and various departments within Wells Fargo seem to have intra-departmental communication issues in that this situation should not have been created in the first place and should have been resolved by now.","date_sent_to_company":"2017-10-02T15:23:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"2690806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-10-02T15:10:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargos</em> <em>response</em> to the last complaint appears to have not been properly <em>investigated</em> within <em>Wells</em> <em>Fargo</em>. As a result, their <em>response</em> appeared rote as they refused to take responsibility for a situation that they created. \n\nI have contacted the company and can not seem to resolve the problem to my satisfaction."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.901232,"2690806"]},{"_index":"complaint-public-v1","_id":"8836351","_score":18.768618,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Good day withe references made to complaint # XXXX I was advised by XXXX  for the following response by Wells Fargo : We have been advised by XXXX that in response to their wire traceWells Fargo has indicated that in order to investigate due to case age there is a fee of US {$250.00}. \nI kindly requesting that Wells Fargo be made to investigate and locate the funds in question it has taken almost XXXX years of my life already.\n\nPlease see attachments for further details on this transfer.","date_sent_to_company":"2024-04-24T03:28:15.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"37076","tags":null,"has_narrative":true,"complaint_id":"8836351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-24T03:20:20.000Z","state":"TN","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":["Good day withe references made to complaint # XXXX I was advised by XXXX  for the following <em>response</em> by <em>Wells</em> <em>Fargo</em> : We have been advised by XXXX that in <em>response</em> to their wire trace<em>Wells</em> <em>Fargo</em> has indicated that in order to <em>investigate</em> due to case age there is a fee of US {$250.00}. \nI kindly requesting that <em>Wells</em> <em>Fargo</em> be made to <em>investigate</em> and locate the funds in question it has taken almost XXXX years of my life already.\n\nPlease see attachments for further details on this transfer."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.768618,"8836351"]},{"_index":"complaint-public-v1","_id":"18552970","_score":18.767185,"_source":{"product":"Credit card","complaint_what_happened":"Wells Fargo mailed a request for additional evidence regarding my fraud dispute. The letter was delivered to me after the response deadline had already passed. \n\nBecause of this delayed delivery, Wells Fargo informed the CFPB that I did not respond, which is inaccurate. \n\nAs soon as I received the letter, I submitted my response and evidence to Wells Fargo by email on XX/XX/year>. \n\nI am filing this new complaint to correct the record, provide confirmation that I did respond, and request that Wells Fargo properly review the submitted evidence and continue the fraud investigation. \n\n\nCorrection of the record to reflect that I did respond to Wells Fargos request for evidence, but the response window closed due to delayed postal delivery. \n\nDisputed Transaction ID : XXXX","date_sent_to_company":"2026-01-08T01:29:21.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"18052","tags":null,"has_narrative":true,"complaint_id":"18552970","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-08T01:14:24.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> mailed a request for additional evidence regarding my fraud dispute. The letter was delivered to me after the <em>response</em> deadline had already passed. \n\nBecause of this delayed delivery, <em>Wells</em> <em>Fargo</em> informed the CFPB that I did not respond, which is inaccurate. \n\nAs soon as I received the letter, I submitted my <em>response</em> and evidence to <em>Wells</em> <em>Fargo</em> by email on XX/XX/year>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.767185,"18552970"]},{"_index":"complaint-public-v1","_id":"19937820","_score":18.592205,"_source":{"product":"Credit card","complaint_what_happened":"Issue : Inaccurate credit reporting / failure to investigate Company : Wells Fargo Bank , N.A .\n\nI am submitting this complaint regarding Wells Fargo Bank, N.A.s failure to comply with its obligations as a furnisher of credit information under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). \n\nI submitted multiple written disputes identifying inaccuracies and inconsistencies in Wells Fargos reporting of an account across nationwide consumer reporting agencies. My original dispute is included in Exhibit A. Wells Fargos initial response is included in Exhibit B. \n\nI then sent XXXX additional written dispute and verification demand letters to Wells Fargo in XX/XX/XXXX, included in Exhibit C. Wells Fargo issued a single response dated XX/XX/XXXX addressing both letters, included in Exhibit D. \n\nDespite these repeated disputes, Wells Fargo failed to conduct a reasonable investigation. Its responses asserted verification without providing : any method of verification, any item-by-item response to disputed data fields, any documentary evidence establishing accuracy, or any explanation reconciling conflicting credit bureau outcomes. \n\nXXXX  ultimately removed the Wells Fargo tradeline after being unable to verify it. Exhibit F includes XXXX confirmation and current credit file evidence showing the account remains absent from that bureau. \n\nWells Fargo admitted in writing that there were inconsistencies in the information being reported by the credit bureaus, yet closed the dispute without correcting or deleting unverifiable information. \n\nBecause consumer reporting agencies rely entirely on furnishers for account data, Wells Fargo is the source of materially inconsistent reporting that persists across XXXX XXXX XXXX XXXX XXXX no longer reports the account. \n\nThis conduct demonstrates failure to furnish accurate information and failure to conduct a reasonable investigation under the FCRA. \n\nI request that the CFPB require Wells Fargo to demonstrate compliance with its furnisher obligations and to either substantiate the reported information with verifiable evidence or instruct all consumer reporting agencies to delete the tradeline.","date_sent_to_company":"2026-03-03T19:26:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92040","tags":null,"has_narrative":true,"complaint_id":"19937820","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-03T19:19:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> issued a single <em>response</em> dated XX/XX/XXXX addressing both letters, included in Exhibit D. \n\nDespite these repeated disputes, <em>Wells</em> <em>Fargo</em> failed to conduct a reasonable <em>investigation</em>. Its <em>responses</em> asserted verification without providing : any method of verification, any item-by-item <em>response</em> to disputed data fields, any documentary evidence establishing accuracy, or any explanation reconciling conflicting credit bureau outcomes."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.592205,"19937820"]},{"_index":"complaint-public-v1","_id":"18441218","_score":18.57649,"_source":{"product":"Credit card","complaint_what_happened":"Although this complaint is categorized as problem getting a credit card or credit limit, the actual issue is Wells Fargos failure to conduct a reasonable investigation and failure to respond to the dispute raised, despite multiple CFPB complaints.\n\nI am not disputing the original credit card application. However, Wells Fargo continues to respond by repeatedly providing the original application and asserting that income was not entered incorrectly, which does not address the dispute raised.My dispute concerns the improper use and/or combination of income relied upon by Wells Fargo in connection with credit approval and/or credit limit determination, including income that was not mine and was entered or relied upon at the instruction of a bank employee.\n\nDespite multiple opportunities to investigate, Wells Fargo has failed to address the substance of this dispute and has instead limited its response to restating the original application.\n\nSpecific Failures by Wells Fargo Wells Fargo has failed to : Address whether income not earned by me was relied upon for underwriting Explain how any income was verified Identify the policy permitting income to be combined in this manner Produce employee notes, internal records, or underwriting documentation related to this credit decision Conduct or demonstrate a reasonable investigation into the dispute raised Providing the original application alone does not constitute a reasonable investigation or a valid response.This is a repeat CFPB complaint because prior responses did not address the actual issue. Wells Fargo continues to answer a question I am not asking, while ignoring the underwriting and income-use concerns that are the basis of the dispute.\n\nThis constitutes a failure to comply with CFPB dispute-handling requirements.","date_sent_to_company":"2026-01-03T09:44:01.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"18441218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-03T09:18:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Despite multiple opportunities to <em>investigate</em>, <em>Wells</em> <em>Fargo</em> has failed to address the substance of this dispute and has instead limited its <em>response</em> to restating the original application."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.57649,"18441218"]},{"_index":"complaint-public-v1","_id":"21041790","_score":18.416553,"_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":["Explain the basis for prior case closures without a complete <em>investigation</em> 4. Take appropriate corrective measures to ensure this conduct does not occur again To date, <em>Wells</em> <em>Fargo</em> has not provided a sufficient <em>response</em> or resolution."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.416553,"21041790"]},{"_index":"complaint-public-v1","_id":"11095123","_score":18.357662,"_source":{"product":"Checking or savings account","complaint_what_happened":"{$970000.00} of Cashier checks were stolen after sending from my Wells Fargo XXXX account. Since I have submitted many requests to Wells Fargo many times to investigate their fraudulent clients that support the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has stolen all the cashier checks I have sent. Wells Fargo has decided to cancel my checking accounts and have stated that it is my responsibility to investigate their fraudulent clients. There is no evidence that Wells Fargo has investigated these fraudulent clients. Therefore, I am requesting an investigation and response from the CEO of Wells Fargo that they are not interested in investigating these stolen cashier checks. Wells Fqrgo must be responsible to return to me the {$970000.00} in stolen cashier checks by asking the XXXX cashiers to return the stolen checks. Attached is the list of cashier checks. Thank you. XXXX XXXX","date_sent_to_company":"2024-12-11T00:05:25.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"28277","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"11095123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-10T23:33:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["There is no evidence that <em>Wells</em> <em>Fargo</em> has <em>investigated</em> these fraudulent clients. Therefore, I am requesting an <em>investigation</em> and <em>response</em> from the CEO of <em>Wells</em> <em>Fargo</em> that they are not interested in <em>investigating</em> these stolen cashier checks. <em>Wells</em> Fqrgo must be responsible to return to me the {$970000.00} in stolen cashier checks by asking the XXXX cashiers to return the stolen checks. Attached is the list of cashier checks. Thank you. XXXX XXXX"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.357662,"11095123"]},{"_index":"complaint-public-v1","_id":"20694385","_score":18.339073,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I initiated a wire transfer through Wells Fargo on XX/XX/year>. On that same day, I requested a recall because I did not receive a response from the intended recipient. Wells Fargo processed the recall but then closed it without any response from the receiving bank, XXXX XXXX XXXX ( XXXX ). Wells Fargo also failed to contact me, despite my request for updates regarding the recall status. \n\nAfter receiving no communication, I contacted Wells Fargo customer service and was informed they could not assist me and that I needed to return to the branch where the wire transfer was initiated. \n\nAfter waiting and still receiving no response, I returned to the Wells Fargo branch on XX/XX/year>. During this visit, the associate was initially unwilling to assist and gave resistance when I explained that customer service directed me to the branch, as customers are not allowed to speak directly with the wire transfer department. The associate eventually contacted the wire transfer department, and a second recall request was initiated. \n\nDuring this visit, I requested the XXXX number and a case number. These were only provided after I insisted, as the associate repeatedly stated they were trying to leave for the day and did not want to wait to obtain the information. \n\nAfter this second recall, I again received no proactive communication from Wells Fargo. I later followed up and was told there was still no response from the receiving bank. At no point did Wells Fargo initiate a formal investigation into why the funds were not returned or why the receiving bank was not responding. \n\nThe Wells Fargo branch then informed me that this second recall would be the final attempt they would make and that they would not provide any further assistance in resolving the issue. \n\nOn XX/XX/year>, I contacted Wells Fargo customer service again and requested to speak with a supervisor to initiate a formal wire transfer investigation with supervisory review. I was told they could not assist and was again directed back to the branch. However, the branch had already refused to provide any further help. \n\nAs a result, I am unable to access the department responsible for wire investigations, and Wells Fargo has failed to act as an effective intermediary on my behalf. \n\nThe funds have now been unaccounted for over XXXX days. XXXX recall attempts have been made with no response from the receiving bank, and Wells Fargo has failed to : Conduct a formal wire investigation Provide a full XXXX  wire trace Identify the current location of the funds, including any intermediary bank Explain why recall attempts have failed Provide any meaningful communication or updates The receiving bank, XXXX  XXXX XXXX ( XXXX ), continues to hold the funds without explanation.","date_sent_to_company":"2026-03-26T21:02:08.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"29073","tags":"Servicemember","has_narrative":true,"complaint_id":"20694385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-26T20:54:13.000Z","state":"SC","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":["After this second recall, I again received no proactive communication from <em>Wells</em> <em>Fargo</em>. I later followed up and was told there was still no <em>response</em> from the receiving bank. At no point did <em>Wells</em> <em>Fargo</em> initiate a formal <em>investigation</em> into why the funds were not returned or why the receiving bank was not responding."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.339073,"20694385"]},{"_index":"complaint-public-v1","_id":"8064058","_score":18.32013,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB and wells fargo failed to compete an investigation. Please see my detailed notes of wells fargo failing to include the documentation from the customer service representatives on multiple calls to wells fargo : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. Thank you for your attention to this matter. \n\nView full complaint Sent to company STATUS Sent to company on XX/XX/XXXXXXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XXXX RESPONSE TYPE Closed with explanation Company 's Response Please see the attached Bank response. \nATTACHMENTS Final_Response_XXXX  ( 81.8 KB ) Feedback provided STATUS Feedback provided on XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS I am again writing to file a formal complaint against Wells Fargo for what I believe to be fraudulent banking practices that have adversely affected my account on several occasions. This has been document by the customer service agents and recorded yet Wells Fargo refuses to bring this evidence forward. Numerous times, I received notifications from Wells Fargo indicating that my funds were low, resulting in overdrafts. However, after numerous phone calls and diligent investigation, it was discovered that Wells Fargo was at fault, leading to the removal of the imposed overdraft charges. This incident has raised serious concerns regarding Wells Fargo 's banking practices, particularly in the handling of consumer funds. It appears that funds were inaccurately portrayed as low on several occasions, leading to unnecessary overdraft fees. This not only reflects poorly on the bank 's integrity but also raises questions about the security and accuracy of account information provided to consumers. Furthermore, I would like to bring to your attention that Wells Fargo has been previously investigated for similar practices. The bank has faced scrutiny for its handling of customer accounts, including cases where funds were held without proper justification, resulting in unauthorized withdrawals. This pattern of behavior is deeply troubling and requires a thorough investigation to protect consumers from potential financial harm. I kindly request the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Wells Fargo 's banking practices on multiple dates and take appropriate actions to ensure the fair treatment of consumers. I believe that the evidence of inaccurate fund representation and the removal of overdraft charges substantiate the need for a thorough examination of Wells Fargo 's conduct in this matter. Thank you for your prompt attention to this matter, and I look forward to a resolution that ensures consumer protection and addresses the alleged fraudulent banking practices by Wells Fargo. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Thank you for your detailed response. While I appreciate the information provided regarding overdraft fees, I must bring to your attention that my case involves recorded and documented phone calls to your customer service agents. These conversations not only support my claim of fraudulent banking practices but also challenge the accuracy of the charges imposed. I kindly request a thorough investigation into the specifics of these calls, as they serve as crucial evidence in demonstrating the inconsistencies in the overdraft fees charged from XXXX to XXXX. Your prompt attention to this matter is greatly appreciated. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS While I acknowledge your efforts in addressing my concerns, I must assert that the provided information does not adequately reflect a thorough investigation into the recorded calls and documented complaints made to your customer service agents. In accordance with banking law, financial institutions are obligated to conduct comprehensive and impartial investigations into customer complaints, especially those involving potential fraudulent practices. The recorded calls and documented complaints submitted as part of my complaint serve as critical evidence that necessitates careful scrutiny. It is imperative that Wells Fargo, in compliance with banking regulations, thoroughly reviews the content of these recorded calls and documented complaints to ensure a fair and just resolution. Failure to do so would not only undermine the integrity of the investigation but also potentially violate the legal obligations incumbent upon financial institutions. I kindly request that Wells Fargo revisits the investigation process, giving due consideration to the evidence provided, and conducts a more exhaustive review of the recorded calls and documented complaints. This is crucial for an accurate determination of whether fraudulent banking practices have occurred. Your cooperation in this matter is appreciated, and I trust that Wells Fargo will uphold its commitment to regulatory compliance and customer satisfaction.","date_sent_to_company":"2023-12-27T17:54:25.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"8064058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-12-27T17:46:57.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["CFPB and <em>wells</em> <em>fargo</em> failed to compete an <em>investigation</em>. Please see my detailed notes of <em>wells</em> <em>fargo</em> failing to include the documentation from the customer service representatives on multiple calls to <em>wells</em> <em>fargo</em> : Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of <em>Wells</em> <em>Fargo</em> for over 30 years. It appears that there are instances of predatory banking practices that warrant further <em>investigation</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.32013,"8064058"]},{"_index":"complaint-public-v1","_id":"10192506","_score":18.232561,"_source":{"product":"Checking or savings account","complaint_what_happened":"I asked that Wells Fargo stop XXXX fraudulent wire transfers from my checking account on Friday, XX/XX/XXXX. The transfers were initiated at about XXXX  and I requested the stop at XXXX pm. The stop was finally placed at XXXX pm on XX/XX/XXXX, after the cut off for that day. \nIt seems that on Monday, XX/XX/XXXX, the stop payment finally reached to the fraudulent account at XXXX XXXX XXXX to stop payment. \n\nI communicated with Wells Fargo XXXX XXXX XXXX  to find out if the stop payment was effective and if/when XXXX XXXX XXXXXXXX XXXX XXXX funds. Wells Fargo will not respond to my request for information, but instead has required I sign a Release of Liability form with potential response within XXXX business days. \n\nI need to know if Wells Fargo was able to stop payment or if the criminals who defrauded me have the funds. When defrauding me, they posed as Wells Fargo employees that were helping me find unauthorized transfers on my debit card. The imposters sent the Wells Fargo text verification codes to my cell phone, so I believed they were really working for Wells Fargo. \n\nI believed them and made the wire transfers to the XXXX XXXXXXXX XXXX accounts the imposters gave to me. \n\nTo date, I do not know if the criminals were able to get my funds or if Wells Fargo intercepted the transfer in time. Wells Fargo will not give me this information. I need this information to give to the police. The police will only investigate if a crime has been consummated. \n\nWells Fargo can communicate with XXXX  XXXX XXXX and let me know if the funds are now in the criminal or if, by chance, the stop payment was on time and if there is hope of return of my funds. But Wells Fargo will not help me with this and will not investigate the information I provided about the fraudulent actions of imposters that posed as Wells Fargo employees and had access to their text messaging of code verification numbers. \n\nI expected a faster response from Wells Fargo to know if the wire stop was effective. After numerous telephone calls and efforts to communicate, I also expected Wells Fargo to investigate the fraudulent use of their text message verification system and imposters posing as Wells Fargo employees. Wells Fargo has not responded to date, XX/XX/XXXX, to any of my efforts for clarity and crime investigation and crime prevention.","date_sent_to_company":"2024-09-19T23:06:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92653","tags":"Older American","has_narrative":true,"complaint_id":"10192506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-19T22:27:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["But <em>Wells</em> <em>Fargo</em> will not help me with this and will not <em>investigate</em> the information I provided about the fraudulent actions of imposters that posed as <em>Wells</em> <em>Fargo</em> employees and had access to their text messaging of code verification numbers. \n\nI expected a faster <em>response</em> from <em>Wells</em> <em>Fargo</em> to know if the wire stop was effective."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.232561,"10192506"]},{"_index":"complaint-public-v1","_id":"21951579","_score":18.203012,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint as a follow-up to a previously closed complaint [ XXXX ] against Wells Fargo Bank. I am refiling because Wells Fargo 's official CFPB response contained a material factual error that invalidates their denial, and because my original filing was brief and unaccompanied by documentation. I am now providing the full picture with supporting attachments.\n\nI. WHAT HAPPENED THE FRAUD In XX/XX/XXXX, I was targeted by a sophisticated multi-layered employment fraud scheme. I was referred by a known contact to \" XXXX XXXX, '' presented as a legitimate employer ( XXXX XXXX  ) seeking an executive assistant immediately. I submitted my resume, completed a job application, and communicated via email and text throughout what appeared to be a standard professional hiring process. \nXXXX XXXX informed me he would be sending two cashier 's checks digitally to fund my home office setup, representing this as standard onboarding practice. I deposited both checks through Wells Fargo 's mobile deposit application. Wells Fargo accepted both deposits and made the funds available with no hold, no flag, and no warning. I relied on my bank 's acceptance of those deposits as confirmation of their legitimacy a reasonable expectation for any consumer.\n\nBased on the available funds and direct instructions from my purported employer, I made three payments to \" XXXX XXXX, '' represented as a company-partnered supplier : XX/XX/XXXX {$400.00} via XXXX XX/XX/XXXX {$430.00} via XXXX XXXX ( debit card ) XX/XX/XXXX {$400.00} via XXXX XXXX ( debit card ) Total : {$1200.00} These were not discretionary purchases. They were payments made under explicit fraudulent instruction, funded entirely by deposits Wells Fargo had accepted and cleared.\n\nTwo days after the deposits, Wells Fargo closed my checking account of nearly 30 years citing \" altered checks '' with no prior warning, no hold notice, and no guidance. At that point, {$1200.00} in payments had already been made because Wells Fargo had made those funds available without detection. The supplies I paid for were never delivered. All parties XXXX XXXX, the referring contact, and XXXX XXXX ceased all communication. Every identity involved was fabricated.\n\nII. WELLS FARGO 'S ROLE IN THIS LOSS Wells Fargo 's mobile deposit system accepted and cleared two altered cashier 's checks without detection and made those funds available to me. Had Wells Fargo 's system flagged or placed an extended hold on those instruments, I would not have made a single payment. The bank 's failure to detect altered instruments at the point of deposit was a direct and proximate contributing cause of my total financial loss. This is not addressed anywhere in Wells Fargo 's response.\n\nIII. THE DISPUTE PROCESS FAILED ME I filed a dispute on XX/XX/XXXX. The claim was opened and closed the same calendar day with no outreach to me, no review of my submitted documentation, and no written denial explanation. On XX/XX/XXXX, I spent the majority of the day on calls with at least eight Wells Fargo representatives, each of whom confirmed the claim was still open. It closed immediately following those calls, just after XXXX PST. I also submitted comprehensive documentation email correspondence, text message screenshots, and payment records none of which was reviewed before closure.\n\nA same-day closure without investigation, without provisional credit, and without written denial explanation does not satisfy the requirements of a reasonable investigation under Regulation E, 12 CFR Part 1005.11. Wells Fargo subsequently conducted an ECMO review in response to my escalation, which also failed to correct the errors identified below.\n\nIV. WELLS FARGO 'S CFPB RESPONSE CONTAINS A MATERIAL FACTUAL ERROR This is the most critical issue in this refiled complaint.\n\nWells Fargo 's official CFPB response references \" two XXXX XXXX transfers totaling {$830.00}. '' A Wells Fargo claims representative also stated repeatedly by phone on XX/XX/XXXX around XXXX PST that the transactions could not be reversed because they were made via \" XXXX XXXX. '' This is factually incorrect. \nI have attached transaction screenshots that clearly show both payments were processed directly from my Wells Fargo debit card not from an XXXX XXXX account. XXXX XXXX  and debit card transactions are governed by different dispute frameworks, different chargeback rights, and different regulatory standards under Regulation E. If Wells Fargo investigated and denied these transactions under an XXXX XXXX classification, they investigated the wrong transaction type entirely. A denial built on a misclassified transaction is not a valid denial it is evidence that no proper investigation occurred.\n\nI am requesting that the CFPB note this factual error as part of Wells Fargo 's official response record and require Wells Fargo to reinvestigate under the correct transaction classification.\n\nV. WELLS FARGO 'S \" NO FRAUD INDICATORS '' FINDING IS UNSUPPORTED Wells Fargo 's response states their investigation found \" no indicators present confirming fraud. '' I submitted email correspondence, text message screenshots, and payment records documenting every stage of the fraudulent scheme fabricated employment, fraudulent cashier 's checks accepted by Wells Fargo 's own system, explicit payment instructions, promised delivery that never occurred, and complete disappearance of all parties.\n\nWells Fargo 's response does not identify what evidence they reviewed, what investigative standard was applied, or why fabricated professional identities, altered financial instruments cleared by their own bank, and a vanishing supplier do not constitute fraud indicators. A conclusion of \" no fraud '' that does not engage the submitted evidence is not an investigation it is a predetermined outcome.\n\nVI. WELLS FARGO DIRECTED ME TO CONTACT THE MERCHANT MULTIPLE TIMES Wells Fargo 's response and their Executive Office representative advised me to \" resolve this with the merchant directly. '' This advice confirms that Wells Fargo either did not review my submitted documentation or chose to ignore it entirely. There is no legitimate merchant to contact. Every party involved the employer, the referral, and the supplier was a fabricated identity operating as part of a coordinated fraud scheme. Directing a documented fraud victim to contact a fictitious scammer is not a resolution. It is a deflection that further demonstrates the inadequacy of Wells Fargo 's investigation.\n\nVII. THE AUTHORIZATION DEFENSE DOES NOT APPLY Wells Fargo 's position is that I authorized these transactions and therefore bear full liability. Authorization requires informed and voluntary consent. My consent was obtained entirely through fabricated employment, false professional identities, and fraudulent financial instruments. There was no legitimate transaction every element was manufactured to deceive me. Authorization induced by fraud is not valid authorization. The CFPB 's own guidance recognizes that \" authorized '' does not mean \" voluntary and informed '' in the context of scam-induced payments. Wells Fargo has not addressed this distinction in any of their responses.\n\nVIII. SUPPORTING DOCUMENTATION ATTACHED -Wells Fargo 's official CFPB response referencing XXXX  XXXX misclassification  -Debit card transaction screenshots rebutting the XXXX XXXX classification -Email correspondence documenting the fraudulent hiring process and payment instructions -Text message screenshots documenting payment instructions and delivery promises XXXX and XXXX XXXX  payment confirmations showing dates, amounts, and recipient Message documenting promised check reissuance after account closure Active complaint reference numbers : FBI IC3 [ XXXX ], FTC [ XXXX ] , OCC [ filed XX/XX/XXXX , awaiting case # ], California DFPI [ XXXX ].\n\nI have been a Wells Fargo customer for nearly 30 years with no prior fraud history. I am requesting a thorough, lawful reinvestigation and the reimbursement I am entitled to under federal consumer protection standards.","date_sent_to_company":"2026-05-06T21:49:44.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92708","tags":null,"has_narrative":true,"complaint_id":"21951579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-05-06T21:19:56.000Z","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":["<em>Wells</em> <em>Fargo</em> has not addressed this distinction in any of their <em>responses</em>.\n\nVIII."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.203012,"21951579"]},{"_index":"complaint-public-v1","_id":"8524700","_score":18.130053,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB in status of my complaint states, Closed, Company Responded. \nHowever, Wells Fargo did Not respond to my inquiries and responded with False Statements. \nI am requesting to re-open my complaint due to the following : Wells Fargo received XXXX subpoenas for statements on each of my accounts : XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Wells Fargo DID NOT contact me or supply me with any \" direction on how to object '' of the release of my banking information as they stated in their response. THIS IS A FALSE STATEMENT. \nWells Fargo sent out my banking information in XXXX 2023, then afterwards overnighted XXXX XXXX envelopes in XXXX 2023 to the incorrect address informing me that they released my banking information and enclosed the subpoenas. \nThey did not respond to my inquiry of who the subpoena named as the defendant, XXXX XXXX and XXXX, XXXX. I do not know who that company is, nor do I have anything to do with them. The subpoena is fraudulent. \nWells Fargo VIOLATED MY RIGHTS as a consumer. They DID NOT CONDUCT THEIR STATUTORY DUTY TO PROTECT MY PRIVACY, INTEGRITY OF MY BANKING INFORMATION. \nI am requesting this case be re-opened and Wells Fargo be investigated for the illegal distribution of my banking information be investigated as their fraudulent, false statements that they provided me with direction to object to the release of my banking information. Wells Fargo has put me in great harm, and I have suffered damages. \nIn a response email and mailed letters, Wells Fargo did not take any responsibility or liability for their Criminal Actions. \nPlease advise your discoveries of investigation into this matter. \nThank you. \nXXXX XXXX","date_sent_to_company":"2024-03-14T17:06:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33308","tags":null,"has_narrative":true,"complaint_id":"8524700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-11T18:55:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am requesting this case be re-opened and <em>Wells</em> <em>Fargo</em> be <em>investigated</em> for the illegal distribution of my banking information be <em>investigated</em> as their fraudulent, false statements that they provided me with direction to object to the release of my banking information. <em>Wells</em> <em>Fargo</em> has put me in great harm, and I have suffered damages. \nIn a <em>response</em> email and mailed letters, <em>Wells</em> <em>Fargo</em> did not take any responsibility or liability for their Criminal Actions."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.130053,"8524700"]},{"_index":"complaint-public-v1","_id":"1348201","_score":18.12179,"_source":{"product":"Credit card","complaint_what_happened":"I found that Wells Fargo reported to a credit reporting agency that I owed them a debt of {$420.00} on XXXX 2012 on a credit card account. I never opened a credit card account with Wells Fargo and have no knowledge of any credit card charges made on a Wells Fargo credit card in my name. I wrote to Wells Fargo and informed them of these facts. I also told Wells Fargo that I believed that these charges were fraudulent and suspected that I had been a victim of identity theft. I requested that Wells Fargo conduct an investigation into the matter and that Wells Fargo provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. Wells Fargo responded but refused my request for documentation and its response does not indicate that it conducted any investigation into my claim that I had been the victim of credit card fraud and identity theft.","date_sent_to_company":"2015-04-27T16:28:13.000Z","issue":"Identity theft / Fraud / Embezzlement","sub_product":null,"zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"1348201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-04-27T16:28:12.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I requested that <em>Wells</em> <em>Fargo</em> conduct an <em>investigation</em> into the matter and that <em>Wells</em> <em>Fargo</em> provide to me all account documents and billing statements related to this claimed debt so that I could determine whether I had been a victim of identity theft as I suspected. <em>Wells</em> <em>Fargo</em> responded but refused my request for documentation and its <em>response</em> does not indicate that it conducted any <em>investigation</em> into my claim that I had been the victim of credit card fraud and identity theft."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[18.12179,"1348201"]},{"_index":"complaint-public-v1","_id":"19583190","_score":18.109035,"_source":{"product":"Mortgage","complaint_what_happened":"CRITICAL ADDITIONAL EVIDENCE : SYSTEMATIC PAYMENT THEFT THROUGH \" UNAPPLIED FUNDS '' WELLS FARGO HAS BEEN HOLDING MY PAYMENTS IN \" UNAPPLIED '' STATUS SINCE XXXX I have documentary evidence ( which I am uploading ) showing Wells Fargo has systematically held my payments in \" UNAPPLIED FUNDS '' status instead of applying them to my loan principal and interest. \nWHAT \" UNAPPLIED FUNDS '' MEANS : When I make a payment, Wells Fargo receives the money but does NOT apply it to : Principal balance Interest charges Escrow account Instead, they hold it in a suspense account called \" unapplied funds '' where it generates NO benefit to me but allows Wells Fargo to : Continue charging me interest on the full balance Claim I'm delinquent or short-paying Eventually steal the money through fees and charges Report me as late to credit bureaus THIS HAS BEEN HAPPENING SINCE XXXX - OVER 20 YEARS I have been making payments faithfully since XXXX. My payments total approximately {$280000.00} over XXXX years. \nWells Fargo claims I still owe {$100000.00}. \nWHERE DID MY {$280000.00} GO? \nWells Fargo 's own documents show large amounts in \" UNAPPLIED FUNDS '' that were NEVER properly applied to my account. \nWELLS FARGO 'S XX/XX/XXXX RESPONSE ADMITS THIS FRAUD In their response to CFPB ( which they sent me ), Wells Fargo admits : \" You expressed concerns about funds for the XX/XX/XXXX, through XX/XX/XXXX payment were held in an unapplied account. We have provided a breakdown of how those funds were applied to the account. '' Then they show : XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Received {$640.00} placed into unapplied funds XX/XX/XXXX : Applied {$1100.00} from unapplied to XXXX payment THIS IS PAYMENT MANIPULATION FRAUD Questions Wells Fargo refuses to answer : WHY were my payments held in unapplied instead of being applied immediately? \nWhere did the \" remaining {$100.00} from unapplied funds to principal balance '' go each month? \nHow much total money is STILL sitting in unapplied funds? \nHas this been happening for ALL XXXX years, not just XXXX XXXX? \nHow much interest have I been charged on money that was sitting in unapplied instead of reducing my principal? \n\nWELLS FARGO 'S \" EXPLANATION '' PROVES THE FRAUD Wells Fargo claims the unapplied funds manipulation was legitimate. But their own explanation shows : They received my payments They held them in suspense They applied them LATER Meanwhile, they continued charging me interest on the FULL balance I was being charged interest on money I HAD ALREADY PAID This is theft through payment manipulation. \nI HAVE COPIES OF UNAPPLIED FUNDS STATEMENTS I am uploading documentary evidence showing \" UNAPPLIED FUNDS '' on my account statements going back years. \nThis proves : Wells Fargo received my payments Wells Fargo refused to apply them properly Wells Fargo held them in suspense to generate extra interest charges Wells Fargo has been doing this systematically for XXXX years WHY WELLS FARGO DOES THIS By holding payments in \" unapplied funds, '' Wells Fargo : Continues charging interest on the full balance ( even though I paid ) Can claim borrower is \" delinquent '' or \" short-paying '' Can impose late fees and other charges Can report negative information to credit bureaus Eventually steals the money through various fees Extends the loan term by delaying principal reduction THIS IS SYSTEMATIC THEFT AFFECTING MILLIONS OF BORROWERS Wells Fargo has a history of systematic consumer fraud ( fake accounts scandal, etc. ). The \" unapplied funds '' scheme is another systematic fraud : Affects millions of mortgage borrowers Generates billions in extra interest charges Allows Wells Fargo to steal payments while claiming \" compliance '' Is designed to be confusing so borrowers don't understand they're being robbed ADDITIONAL DAMAGES FROM PAYMENT MANIPULATION Beyond the {$590000.00} in direct damages I calculated, the \" unapplied funds '' manipulation adds : Interest charges on money already paid : $ XXXX ( estimated ) Extended loan term from delayed principal application : Additional years added to mortgage Late fees and charges from unapplied payments : $ XXXX ( estimated ) Credit damage from false delinquency reporting : Incalculable Total additional damages from payment manipulation : {$55000.00} - $ XXXX CFPB MUST INVESTIGATE THIS SYSTEMATICALLY I am not the only Wells Fargo mortgage customer with \" unapplied funds '' on my account. This is a SYSTEMATIC SCHEME affecting potentially millions of borrowers. \nCFPB should : Investigate Wells Fargo 's \" unapplied funds '' practices across ALL mortgages Determine how many borrowers have been affected Calculate total amount stolen through this scheme Order restitution to ALL affected borrowers Impose maximum penalties Refer for criminal prosecution WELLS FARGO 'S RESPONSE DID NOT ADDRESS THIS Wells Fargo 's XX/XX/XXXX response shows the XXXX XXXX unapplied funds manipulation but provides NO explanation for : Why payments were held in unapplied in the first place Whether this happened in other time periods ( IT DID- I have proof ) How much total money is in unapplied funds Why I was charged interest on money already paid Why they're STILL doing this I DEMAND : Complete accounting of ALL unapplied funds from XXXX Explanation of why EVERY payment was or was not applied immediately Calculation of excess interest charged due to payment manipulation Return of all unapplied funds PLUS interest Investigation of systematic unapplied funds scheme Criminal referral for payment theft THIS IS WHY I STILL OWE {$100000.00} AFTER PAYING {$280000.00} The \" unapplied funds '' scheme explains where my money went : I paid {$280000.00} Wells Fargo held it in `` unapplied '' Charged me interest on the full balance as if I hadn't paid Eventually applied some of it ( months or years late ) Stole the rest through fees and manipulation Result : After XXXX years of payments, I own almost nothing WELLS FARGO CAN NOT HAVE IT BOTH WAYS Either : They applied my payments properly then I should owe ~ {$48000.00} and own 60 % of my home OR they held payments in unapplied then they committed systematic theft Their own documents prove the second option. \nWELLS FARGO REFUSING TO COMPLY WITH CFPB INVESTIGATION - WITHHOLDING CRITICAL EVIDENCE RE : Original Complaint XXXX I am filing this complaint because Wells Fargo is NOT complying with CFPB 's investigation, is withholding critical evidence, and is attempting to close the investigation through submission of false and incomplete responses. \nWELLS FARGO 'S NON-COMPLIANCE WITH CFPB REGULATIONS Under CFPB regulations, when a consumer files a complaint, the company must : Provide a complete and truthful response Address ALL issues raised by the consumer Provide ALL requested documentation Not provide false or misleading information Wells Fargo has violated ALL of these requirements. \nVIOLATION # XXXX : INCOMPLETE RESPONSE - CRITICAL DOCUMENTS WITHHELD In my original complaint ( XXXX ), I specifically requested : Complete chain of title documentation Explanation of MERS deactivation ( XX/XX/XXXX ) Explanation of XXXX XXXX  cancellation ( XX/XX/XXXX ) All cancelled checks showing payments between loans Complete payment history showing application of funds XX/XX/XXXX XXXX Settlement Statement Documentation explaining how my {$120000.00} purchase became a {$140000.00} loan WHAT WELLS FARGO PROVIDED : Wells Fargo sent approximately XXXX XXXX of documents on XX/XX/XXXX. However, they deliberately EXCLUDED the most critical documents : MISSING : Explanation of XXXX  purge ( XX/XX/XXXX ) - They provided XXXX explanation for why XXXX  XXXX shows loan was \" purged '' and marked \" Inactive - all other data has been purged '' MISSING : Explanation of XXXX  cancellation ( XX/XX/XXXX ) - They provided XXXX explanation for why XXXX XXXX XXXX stamped the mortgage \" CANCELLED BY NOTE on XX/XX/XXXX '' MISSING : Cancelled checks - They provided NO copies of checks showing payments between loans or to the XXXX  MISSING : Complete chain of title - They did not provide recorded assignments showing valid transfer of the mortgage MISSING : Explanation of loan inflation - They did not explain how my {$120000.00} purchase price ( documented in public records ) became a {$140000.00} loan in 7 months This is deliberate withholding of evidence. Wells Fargo is hiding the documents that would prove the fraud I reported. \nVIOLATION # XXXX : FALSE STATEMENTS TO CFPB Wells Fargo 's XX/XX/XXXX response to CFPB contains demonstrably false statements : FALSE CLAIM # XXXX : \" Loan has been serviced in compliance with federal & VA servicing requirements '' TRUTH : Their own documents show : XXXX  purged the loan XX/XX/XXXX XXXX cancelled the mortgage XX/XX/XXXX Wells Fargo continued collecting for 15 YEARS after cancellation This is NOT \" compliance '' - this is THEFT FALSE CLAIM # XXXX : \" We found no evidence of improper conduct, predatory terms, or regulatory violations '' TRUTH : Their own XX/XX/XXXX XXXX ( which they buried in the XXXX pages ) shows : I purchased property for {$120000.00} ( public record ) Loan amount : {$140000.00} Inflation : {$27000.00} ( 22.9 % ) This IS predatory lending and loan inflation fraud FALSE CLAIM # XXXX : \" Service transfers and loan number changes are administrative and do not affect loan ownership or borrower obligations '' TRUTH : XXXX  purge is NOT administrative- it means loan was deactivated Parish cancellation is NOT administrative- it means mortgage was terminated Wells Fargo deliberately mischaracterized these critical events Wells Fargo is lying to CFPB to cover up fraud. This violates CFPB regulations and constitutes obstruction of the investigation. \nVIOLATION # XXXX : ATTEMPTING TO CLOSE INVESTIGATION WITH INSUFFICIENT RESPONSE Wells Fargo 's strategy is clear : Send XXXX pages of filler documents to create appearance of cooperation Withhold the XXXX  XXXX evidence Make false statements denying fraud Hope CFPB closes the investigation based on incomplete response This is not good faith compliance with CFPB investigation. This is deliberate obstruction. \nVIOLATION # XXXX : REFUSAL TO ADDRESS CONSUMER 'S SPECIFIC ALLEGATIONS My original complaint raised these specific issues : Issue # XXXX : Loan inflation - {$120000.00} purchase became {$140000.00} loan Wells Fargo 's response : IGNORED - provided no explanation Issue # XXXX : MERS purge and Parish cancellation in XXXX Wells Fargo 's response : IGNORED - claimed these were \" administrative '' Issue # XXXX : Continued collection after loan cancellation Wells Fargo 's response : DENIED - falsely claimed \" compliance with servicing requirements '' Issue # XXXX : Loan churning - fraudulent \" refinances '' in XXXX and XXXX Wells Fargo 's response : MISREPRESENTED - claimed I \" voluntarily authorized '' when I was deceived Issue # XXXX : Request for compensation and debt discharge Wells Fargo 's response : REFUSED - stated \" we respectfully decline your request for compensation '' Wells Fargo did not address my allegations. They deflected, denied, and lied. \nVIOLATION # XXXX : RETALIATION THROUGH CREDIT REPORTING During the CFPB investigation, Wells Fargo reported LATE PAYMENT on my credit report even though I am in forbearance until XX/XX/XXXX. \nReporting late payments during forbearance violates : Fair Credit Reporting Act ( 15 USC 1681 ) CFPB regulations Their own forbearance agreement This is retaliation for filing the CFPB complaint. \nVIOLATION # XXXX : VA LOAN REQUIREMENTS VIOLATIONS This is a VA loan, which has additional protections and requirements : VA loans are NON-ASSUMABLE without VA approval Wells Fargo transferred servicing to XXXX XXXX without VA authorization Wells Fargo violated VA servicing standards Defrauding a veteran carries additional penalties THE SMOKING XXXX WELLS FARGO IS TRYING TO HIDE While reviewing the XXXX pages Wells Fargo sent, I found the document they hoped I wouldn't notice : XX/XX/XXXX XXXX XXXX XXXX Loan Number : XXXX Lender : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$140000.00} My purchase price ( public record ) : {$120000.00} Inflation : {$27000.00} This single document PROVES the predatory lending fraud I reported. Wells Fargo buried it in XXXX pages, provided no explanation for it, and hoped CFPB would close the case without examining it. \nWHY WELLS FARGO IS WITHHOLDING EVIDENCE The documents Wells Fargo refuses to provide would prove : XXXX  purge records would show the loan was deactivated/cancelled in XX/XX/XXXX Parish cancellation documents would show the mortgage was terminated in XX/XX/XXXX Cancelled checks would show Wells Fargo paid off the loan in XXXX Chain of title would show Wells Fargo never had valid ownership Complete payment history would show systematic misapplication of my payments Wells Fargo can not provide these documents without admitting fraud. So they withhold them and hope CFPB accepts their incomplete response. \nWELLS FARGO 'S PATTERN OF CFPB NON-COMPLIANCE This is not an isolated incident. Wells Fargo has a documented history of : Fake accounts scandal ( deceiving regulators ) Mortgage servicing abuse ( ignoring CFPB orders ) Consumer complaint manipulation ( providing false responses ) Wells Fargo does not cooperate with CFPB in good faith. They obstruct, deceive, and withhold evidence. \nWHAT I'M REQUESTING FROM CFPB REJECT Wells Fargo 's incomplete response as non-compliant ORDER Wells Fargo to provide ALL requested documents within 10 days : Complete MERS transaction history and purge explanation XXXX mortgage cancellation documents and explanation All cancelled checks Complete chain of title with recorded assignments Explanation for {$27000.00} loan inflation Complete payment history showing fund application INVESTIGATE Wells Fargo 's false statements to CFPB Refer false statements for perjury investigation Investigate obstruction of CFPB investigation SANCTION Wells Fargo for non-compliance Impose civil penalties for incomplete response Impose penalties for withholding evidence Impose penalties for false statements to CFPB KEEP INVESTIGATION OPEN until Wells Fargo provides COMPLETE response INVESTIGATE retaliation ( credit reporting during forbearance ) CONSOLIDATE with original complaint XXXX REFER to VA XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX WELLS FARGO THINKS THEY CAN OVERWHELM CFPB Wells Fargo XXXX strategy : Send XXXX pages of irrelevant documents Withhold the XXXX  XXXX  Make false denials Hope CFPB doesn't have time to investigate thoroughly Hope case gets closed as \" company responded '' I am requesting CFPB not let Wells Fargo get away with this. \nWells Fargo is NOT complying with the investigation. They are withholding critical evidence. They are lying to CFPB. They are obstructing justice. \nCONCLUSION Wells Fargo 's XX/XX/XXXX response is incomplete, false, and non-compliant with CFPB regulations. They are deliberately withholding evidence that would prove the fraud I reported. \nI request CFPB : Reject their insufficient response Order production of ALL requested documents Sanction them for non-compliance Investigate their false statements Keep investigation open Consolidate with complaint XXXX Refer to VA OIG Wells Fargo is trying to close the investigation through deception and document withholding.CONCLUSION ON UNAPPLIED FUNDS The \" unapplied funds '' evidence proves Wells Fargo has been systematically stealing my payments for XXXX years through payment manipulation, accounting fraud, and interest charge inflation. \nCombined with : XXXX inflation fraud ( {$27000.00} ) Post-cancellation collection ( {$210000.00} ) XXXX churning ( {$13000.00} ) Payment theft through unapplied funds ( $ XXXX ) Total fraud exceeds $ XXXX in direct damages. \nI am uploading documentary evidence of unapplied funds. \nXXXX XXXX XXXX XX/XX/XXXX XXXX","date_sent_to_company":"2026-02-20T21:15:27.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"19583190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-18T09:28:58.000Z","state":"LA","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 related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["for perjury <em>investigation</em> <em>Investigate</em> obstruction of CFPB <em>investigation</em> SANCTION <em>Wells</em> <em>Fargo</em> for non-compliance Impose civil penalties for incomplete <em>response</em> Impose penalties for withholding evidence Impose penalties for false statements to CFPB KEEP <em>INVESTIGATION</em> OPEN until <em>Wells</em> <em>Fargo</em> provides COMPLETE <em>response</em> <em>INVESTIGATE</em> retaliation ( credit reporting during forbearance ) CONSOLIDATE with original complaint XXXX REFER to VA XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX <em>WELLS</em> <em>FARGO</em> THINKS"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.109035,"19583190"]},{"_index":"complaint-public-v1","_id":"18141127","_score":18.092981,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Against : Wells Fargo Bank , N.A . Claim Number : XXXX Summary of Issue : I am filing this complaint because Wells Fargo has mishandled my dispute and misrepresented the facts in their response. \nI submitted photos showing the XXXX  delivery was not at my home. \n\nWhen I called Wells Fargo on XX/XX/year>, I was told directly that no one had reviewed my photos. \n\nDespite this, Wells Fargos CFPB response claims they reviewed the claim information. This is false. \n\nWells Fargo states the merchant documents show the shipping address matched my account. \n\nThis ignores the fact that the XXXX  delivery photo clearly shows the package was delivered to a different residence. \n\nWells Fargo never verified the actual delivery location with XXXX. \n\nWells Fargo claims that if the package was stolen, the merchant would not be liable. \n\nThis is misleading because the package was never delivered to my home in the first place. This is misdelivery, not theft. \n\nBy framing it as theft, Wells Fargo is attempting to avoid responsibility for a clear case of nondelivery. \n\nThe Fair Credit Billing Act requires creditors to conduct a reasonable investigation of billing errors. \n\nWells Fargo closed my case without reviewing my evidence, without contacting XXXX, and while mischaracterizing the issue as theft. \n\nTheir claim that all options are exhausted is inaccurate and misleading. \n\n\n\nI am requesting the CFPB review Wells Fargo 's dispute handling and investigation process. Wells Fargo is not reviewing the photo evidence and can't identify anyone that has looked at these pictures clearly showing delivery to a different home. They don't even want to mention the picture evidence in these complaints. \n\nPlease refund {$430.00} for the undelivered product.","date_sent_to_company":"2025-12-18T14:47:59.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33844","tags":"Servicemember","has_narrative":true,"complaint_id":"18141127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-12-18T14:36:19.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["Complaint Against : <em>Wells</em> <em>Fargo</em> Bank , N.A . Claim Number : XXXX Summary of Issue : I am filing this complaint because <em>Wells</em> <em>Fargo</em> has mishandled my dispute and misrepresented the facts in their <em>response</em>. \nI submitted photos showing the XXXX  delivery was not at my home. \n\nWhen I called <em>Wells</em> <em>Fargo</em> on XX/XX/year>, I was told directly that no one had reviewed my photos. \n\nDespite this, <em>Wells</em> <em>Fargos</em> CFPB <em>response</em> claims they reviewed the claim information. This is false."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.092981,"18141127"]},{"_index":"complaint-public-v1","_id":"5956594","_score":18.078087,"_source":{"product":"Checking or savings account","complaint_what_happened":"Had Wells Fargo do an investigation into fraud on my account, To find out they never really did an investigation and made a no fraud was valid response due to the Agents Personal feeling about what happened. \n\nDue to Wells Fargo negligence I am out of more then XXXXXXXX XXXX","date_sent_to_company":"2022-09-07T08:27:13.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"98607","tags":null,"has_narrative":true,"complaint_id":"5956594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-07T08:22:10.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Had <em>Wells</em> <em>Fargo</em> do an <em>investigation</em> into fraud on my account, To find out they never really did an <em>investigation</em> and made a no fraud was valid <em>response</em> due to the Agents Personal feeling about what happened. \n\nDue to <em>Wells</em> <em>Fargo</em> negligence I am out of more then XXXXXXXX XXXX"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.078087,"5956594"]},{"_index":"complaint-public-v1","_id":"18689486","_score":18.066698,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is a follow-up to previously closed CFPB complaints XXXX and XXXX involving Wells Fargo. Both cases were closed before I was able to submit a rebuttal to Wells Fargos response. I am resubmitting because material facts remain unaddressed and Wells Fargo failed to conduct a reasonable fraud investigation involving impersonation, caller ID spoofing, and account takeover.\n\nMy deposit account loss occurred during an active account takeover. Before I transferred funds, unauthorized activity had already occurred, including internal transfers from savings to checking and an unauthorized XXXX cash advance deposited into my checking account. These events establish account compromise prior to my actions. \n\nThe {$18000.00} transfer resulted from real-time impersonation fraud. The call displayed as Wells Fargo and appeared to originate from a legitimate Wells Fargo number. The caller posed as Wells Fargo fraud prevention, asked verification-style questions, and instructed specific steps. My actions occurred under deception during an ongoing compromise. Authorization obtained through impersonation and misrepresentation is not valid authorization under Regulation E.\n\nWells Fargo did not conduct a reasonable investigation. No one from Wells Fargo ever contacted me to discuss the case. No investigator interviewed me. I was never asked to explain the timeline, the impersonation call, or the unauthorized activity that preceded the transfer. Wells Fargo never requested screenshots, call logs, device or login data, or the police report number and deputy contact information. An investigation conducted without speaking to the consumer and without reviewing available evidence is not reasonable. \n\nThe {$3600.00} XXXX cash advance is a separate unauthorized credit card transaction. I did not request or approve this advance. Depositing the proceeds into my checking account does not convert an unauthorized credit transaction into an authorized one. Credit card protections require independent review, which Wells Fargo failed to perform. \n\nWells Fargo relied on a blanket conclusion of customer authorization because I initiated a transfer, ignoring impersonation, caller ID spoofing, and account takeover indicators. Regulation E requires a reasonable investigation based on the full facts.\n\nI request CFPB review Wells Fargos investigative failures across both prior complaint numbers and require a substantive response. I request reimbursement of the {$18000.00} deposit account loss and reversal of the {$3600.00} credit card cash advance, including associated fees and interest.","date_sent_to_company":"2026-01-13T18:55:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"23111","tags":"Servicemember","has_narrative":true,"complaint_id":"18689486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-13T18:50:29.000Z","state":"VA","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":["Credit card protections require independent review, which <em>Wells</em> <em>Fargo</em> failed to perform. \n\n<em>Wells</em> <em>Fargo</em> relied on a blanket conclusion of customer authorization because I initiated a transfer, ignoring impersonation, caller ID spoofing, and account takeover indicators. Regulation E requires a reasonable <em>investigation</em> based on the full facts.\n\nI request CFPB review <em>Wells</em> <em>Fargos</em> <em>investigative</em> failures across both prior complaint numbers and require a substantive <em>response</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.066698,"18689486"]},{"_index":"complaint-public-v1","_id":"2682557","_score":18.038847,"_source":{"product":"Mortgage","complaint_what_happened":"1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. \n\n2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. \n\n3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. \n\n4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. \n\nCopies of the Letters and Evidence that My Signature was forged is attached. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2017-09-23T05:41:29.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"71603","tags":"Older American","has_narrative":true,"complaint_id":"2682557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-09-23T04:52:08.000Z","state":"AR","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> admitted they tried to steal my home. <em>Wells</em> <em>Fargo</em> admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in <em>response</em> to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to <em>investigate</em> the crimes admitted to by <em>Wells</em> <em>Fargo</em>. <em>Wells</em> <em>Fargo</em> has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt )."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[18.038847,"2682557"]},{"_index":"complaint-public-v1","_id":"3513258","_score":18.012838,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ALERT ALERT FRAUD ADDRESS OFFICIALKY STATED IN WELLS FARGO BANK XXXX XXXX financial crimes investigator for wells Fargo bank Well Fargo bank Customer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCXXXX FACTS I sent 20 faxes to invalid faxXXXX given to me by XXXX XXXX ( recorded with XXXX paid fax service ) I requested XXXX XXXX to fax her identification and a copy of the XX/XX/2019 dated wells Fargo letter of my identity theft caseXXXX and fraud and forgery case XXXX as per XXXX at wells Fargo. Recorded with wells Fargo. And required forms for my legal records. NO RESPONSE FROM XXXX. PERIOD. \nI refaxed all 20 faxes to wells Fargo bank XXXX XXXX XXXX XXXX XXXX va XXXX XXXX to forward all info to XXXX XXXX AT THAT FRAUD ADDRESS on the WELLS FARGO dated letter attached.. XXXX did not advise me from last weeks communication that the address was not valid. \nI notified XXXX XXXX XXXX # attached screenshot ..at Wells Fargo of the events and to advise me IF there was a XXXX XXXX . No response from XXXX XXXX in this matter. \nSo again Wells Fargo bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A WELLS FARGO BANK FRAUD ADDRESS that I was specifically instructed to do so by a wells Fargo bank financial crimes investigator by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached. \nI called wells Fargo bank again today and spoke to XXXX AT XXXX XXXX XXXX XXXX XXXX va. And XX/XX/XXXX confirmed that the address WAS NOT A VALID WELLS FARGO LOCATION. PERIOD","date_sent_to_company":"2020-01-29T18:59:27.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"279XX","tags":null,"has_narrative":true,"complaint_id":"3513258","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-01-29T17:15:20.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["No <em>response</em> from XXXX XXXX in this matter. \nSo again <em>Wells</em> <em>Fargo</em> bank from my initial in persons reports of fraud activity done in my names reported since XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX .va has not responded appropriately ALL MY PERSONAL INFO WENT TO A <em>WELLS</em> <em>FARGO</em> BANK FRAUD ADDRESS that I was specifically instructed to do so by a <em>wells</em> <em>Fargo</em> bank financial crimes <em>investigator</em> by the name of XXXX XXXX . Letter attached. Mr XXXX phone # attached."],"issue":["Problem with a company's <em>investigation</em> into an existing issue"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.012838,"3513258"]},{"_index":"complaint-public-v1","_id":"18572847","_score":17.983368,"_source":{"product":"Checking or savings account","complaint_what_happened":"SUMMARY OF NEW COMPLAINT I am filing this new complaint regarding Wells Fargo XXXX  response to my previous CFPB complaint ( Case # XXXX ), which reveals additional violations and demonstrates a pattern of unfair, deceptive, and abusive acts or practices ( UDAAP ). \nThis complaint addresses NEW violations that occurred in Wells Fargo XXXX XX/XX/year> response : Admission of False Data Usage - Wells Fargo admitted using fabricated \" {$200000.00} in new money '' figure to deny my bonus Withholding Exculpatory Evidence - Refusal to provide security footage that would prove or disprove assault allegations Admission That Customer Assault \" Follows Policy '' - Claiming physical restraint and threats against peaceful customers is standard procedure Contradictory Statements Proving Bad Faith - Shifting explanations that contradict their own prior written denials Amount in Dispute : {$2500.00} ( promotional bonus ) + damages for assault, civil rights violations, and bad faith dealing DETAILED FACTS A. Wells Fargo XXXX Admission of Using False Data ( New Violation - XX/XX/year> ) In their XX/XX/year> response to CFPB, Wells Fargo made a critical admission that exposes their previous denials as fraudulent : What Wells Fargo Previously Claimed ( XX/XX/year> ) : Denied my {$2500.00} promotional bonus Stated I only brought in \" {$200000.00} in new money '' Used this specific figure to justify why I didn't meet the \" {$250000.00} new money '' requirement What Wells Fargo NOW Admits ( XX/XX/year> ) : \" You are correct, you did not bring in {$200000.00} in new money '' \" You did not bring in any funds from an outside banking institution '' The Violation : Wells Fargo has admitted they fabricated the \" {$200000.00} '' figure. This proves : The bank knowingly used false data to deny a contractual obligation The bank 's internal systems generated fraudulent calculations The denial was pretextual and made in bad faith Legal Standard : Using fabricated data to avoid contractual obligations constitutes fraud and UDAAP violations under XXXX U.S.C. XXXX. \n\nB. Withholding Evidence of Criminal Conduct ( New Violation - XX/XX/year> ) Wells Fargo XXXX response to my assault allegations demonstrates obstruction and bad faith : The Evidence Exists : Wells Fargo admits security footage from XX/XX/year> exists but refuses to provide it without a subpoena. \nThe Logic Failure : If the footage showed I was the aggressor or that guards acted appropriately, Wells Fargo would release it immediately to exonerate themselves If the footage showed \" policy was followed, '' it would support their defense Their refusal to provide the footage is an admission that it contradicts their narrative Specific Incidents Not Addressed : Wells Fargo 's response completely ignores : XXXX XXXX XXXX XXXX ( Badge XXXX ) threatening : \" I will slap you if you say anything further '' Discriminatory statement : \" This is how you all should be treated '' Gender-based harassment : \" My girl also does not take orders '' XXXX hours of restraint in handcuffs Inappropriate XXXX contact while restrained Police XXXX XXXX XXXX XXXX XXXX XXXX ) being called to scene The New Violation : By stating these events \" followed policy, '' Wells Fargo is either : Lying to the CFPB about their investigation, OR Admitting that threatening, restraining, and verbally abusing customers IS their policy Either scenario requires CFPB enforcement action. \n\nXXXX Bad Faith Investigation and False Statements to CFPB Contradictions in Wells Fargo 's Response : On the XX/XX/year> Meeting : Wells Fargo now claims : \" The customized summary is only signed by yourself ; the banker nor branch XXXX signed the form '' Wells Fargo now claims : \" It does not state the manager assisted you '' The Truth : Branch XXXX XXXX XXXX was physically present, confirmed my eligibility verbally, and the digital summary was generated in her presence Challenge : I request CFPB subpoena Wells Fargo XXXX security footage from XX/XX/year> ( approximately XXXX XXXX  ) to prove XXXX XXXX was present during the meeting. \nOn the XX/XX/year> Meeting : The XX/XX/XXXX summary shows ONLY Banker XXXX XXXX XXXX XXXX ' signature because XXXX XXXX was on leave that day. This proves that when the XXXX XXXX WAS present ( XX/XX/XXXX ), her presence was documented. \n\nXXXX Pattern of Providing False Information to Avoid Liability Wells Fargo XXXX response demonstrates a systematic pattern of shifting explanations : Timeline of Contradictions : XX/XX/year> ( Internal Denial ) : Claimed I brought in \" {$200000.00} in new money '' Denied bonus because this didn't meet $ XXXX threshold XX/XX/year> ( Previous CFPB Response ) : Representative XXXX XXXX falsely claimed Branch XXXX XXXX XXXX \" confirmed she has not had any contact with you '' This contradicted the signed XX/XX/year> document XX/XX/year> ( Current Response ) : NOW admits I brought in \" {$0.00} in new money '' NOW admits the $ XXXX figure was false Still denies the bonus using the same false reasoning The Pattern : Each time confronted with evidence, Wells Fargo changes its story but maintains the same denial. \n\nWELLS FARGO XXXX INADEQUATE RESPONSE CREATES NEW VIOLATIONS The XX/XX/year> response itself constitutes new violations : XXXX. Deceptive Practices Admitting to using fabricated data ( $ XXXX figure ) while still denying liability Claiming \" no evidence '' exists while simultaneously withholding that evidence XXXX. Unfair Practices Requiring a subpoena for evidence in the bank 's possession that would resolve the dispute Using technical arguments about signatures while ignoring the substance of the contractual promise XXXX. Abusive Practices Dismissing assault allegations with \" policy was followed '' without explaining what investigation occurred No disclosure of disciplinary action taken ( if any ) No apology or acknowledgment of customer harm REQUESTED RELIEF I request that the CFPB : XXXX. Investigation and Enforcement Open a formal investigation into Wells Fargo 's use of fabricated data to deny contractual obligations Investigate whether Wells Fargo XXXX security policies include threatening and restraining peaceful customers Determine if Wells Fargo XXXX response to CFPB complaints constitutes obstruction XXXX. Mandate Evidence Production Order Wells Fargo to provide security footage from : XX/XX/year> ( XXXX XXXX  ) : Proving Branch XXXXXXXX XXXX presence and confirmation of eligibility XX/XX/year> ( XXXX XXXX  ) : Documenting the assault and restraint XXXX. Financial Remedies {$2500.00} : Promotional bonus promised in writing by authorized bank representatives Compensatory damages : For physical assault, false imprisonment, emotional distress Punitive damages : For bad faith dealing and UDAAP violations XXXX. Accountability Measures Require Wells Fargo to provide a detailed investigation report on : XXXX XXXX XXXX XXXX ( Badge XXXX ) Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How the fraudulent \" {$200000.00} '' figure was generated XXXX. XXXX XXXX XXXX Wells Fargo to review and report on branch security policies Mandate training on appropriate customer treatment Require public disclosure if restraining peaceful customers is indeed \" policy '' WHY THIS IS A NEW COMPLAINT This complaint is distinct from Case # XXXX because : New violations occurred in Wells Fargo XXXX XX/XX/year> response ( admission of false data, withholding evidence ) Wells Fargo XXXX response itself demonstrates UDAAP violations XXXX bad faith, obstruction ) New evidence has emerged ( admission that $ XXXX figure was fabricated ) The bank 's response reveals systemic issues requiring separate regulatory review SUPPORTING DOCUMENTATION I am attaching the following : Wells Fargo XXXX XX/XX/year> response to CFPB ( showing admission of false data ) Customized Visit Summary from XX/XX/year> Customized Visit Summary from XX/XX/year> Previous CFPB complaint and resolution ( Case # XXXX ) Timeline of contradictory statements from Wells Fargo CONCLUSION Wells Fargo XXXX response to my CFPB complaint has created new violations by : Admitting they used false data while maintaining the denial Withholding evidence of assault while claiming innocence Providing contradictory explanations that prove bad faith The bank 's conduct demonstrates a pattern of unfair, deceptive, and abusive practices that require CFPB XXXX action to protect consumers and ensure accountability. \nI respectfully request the CFPB investigate these new violations and mandate appropriate remedies.","date_sent_to_company":"2026-01-08T18:33:33.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"18572847","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-08T18:30:29.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["<em>Investigation</em> and Enforcement Open a formal <em>investigation</em> into <em>Wells</em> <em>Fargo</em> 's use of fabricated data to deny contractual obligations <em>Investigate</em> whether <em>Wells</em> <em>Fargo</em> XXXX security policies include threatening and restraining peaceful customers Determine if <em>Wells</em> <em>Fargo</em> XXXX <em>response</em> to CFPB complaints constitutes obstruction XXXX."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.983368,"18572847"]},{"_index":"complaint-public-v1","_id":"11453995","_score":17.962938,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), I am writing in response to Wells Fargos latest communication dated XX/XX/year>, regarding the {$1000.00} unauthorized transaction ( Claim XXXX ) and the {$70.00} chargeback dispute ( Claim XXXX ). Wells Fargo has failed once again to address the evidence I have provided, and their response continues to reflect a lack of diligence and transparency. \n\nKey Concerns with Wells Fargos Response 1. Overreliance on Token and Authorization Data Wells Fargos primary justification for denying my claims rests on the assertion that the transactions were authorized by me or someone I authorized because the digital token and phone number matched my account. This method of verification is insufficient, as it fails to account for : The possibility of compromised digital wallets ( e.g., XXXX XXXX ). \nUnauthorized access to the token or device used in the transaction. \nWells Fargo continues to ignore my submission of proof that I replaced my phone, a significant factor pointing to potential fraud. Despite being assured by a representative that this evidence would be considered, it appears to have been disregarded entirely. \n\nXXXX. Failure to Conduct a Thorough Investigation of the {$70.00} Chargeback Dispute In the case of the {$70.00} claim, Wells Fargo has failed to engage with the extensive contextual evidence I provided, including : Screenshots of XXXX XXXX conversations where the buyer confirmed the transaction. \nText message exchanges where the buyer acknowledged the purchase. \nEvidence of the buyer blocking me after the transaction, demonstrating clear fraudulent intent. \nThe chargeback was initiated by the buyer after they received the goods, and their subsequent actions ( blocking me ) directly undermine the legitimacy of their claim. Wells Fargos response ignores these critical details, failing to account for buyer fraud and dismissing the context of the transaction entirely.\n\n3. Dismissal Without Transparency The letters Wells Fargo referenced in their response provide no clear rationale for the denial of my claims. Specifically : For the {$1000.00} claim, there is no detailed explanation of how my evidencesuch as proof of replacing my phonewas reviewed or why it was deemed insufficient. \nFor the {$70.00} claim, there is no acknowledgment of the extensive documentation demonstrating buyer fraud, nor any indication that this was considered during the investigation.\n\n4. Pattern of Denial Across Claims BOTH CLAIMS were denied using nearly identical reasoning, despite involving distinct evidence and circumstances. This pattern reflects a systemic failure to conduct individualized reviews, suggesting a procedural issue in Wells Fargos fraud investigation practices. \n\nXXXX. Internal Procedural Errors The error in addressing me as XXXX XXXX in earlier correspondence demonstrates a lack of care in handling my case. Such errors undermine confidence in your investigation process and raise legitimate questions about the diligence applied to my concerns.","date_sent_to_company":"2025-01-09T18:37:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30307","tags":null,"has_narrative":true,"complaint_id":"11453995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-01-09T18:31:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau ( CFPB ), I am writing in <em>response</em> to <em>Wells</em> <em>Fargos</em> latest communication dated XX/XX/year>, regarding the {$1000.00} unauthorized transaction ( Claim XXXX ) and the {$70.00} chargeback dispute ( Claim XXXX ). <em>Wells</em> <em>Fargo</em> has failed once again to address the evidence I have provided, and their <em>response</em> continues to reflect a lack of diligence and transparency. \n\nKey Concerns with <em>Wells</em> <em>Fargos</em> <em>Response</em> 1."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.962938,"11453995"]},{"_index":"complaint-public-v1","_id":"20106931","_score":17.942736,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding a missing refund and an improper dispute handling by Wells Fargo. On XX/XX/XXXX, I made a {$270.00} credit card transaction with the merchant XXXX XXXX ( reference number : XXXX / XXXX ). The merchant later voided the transaction on XX/XX/XXXX, as shown in the merchants system record ( screenshot attached ). However, the refunded amount has never been credited back to my account and does not appear on any of my statements. I contacted Wells Fargo regarding this missing refund via its official email at XXXX on XX/XX/XXXX ( screenshot attached ), but no response from Wells Fargo at all. Also, I filed a {$350.00} credit card dispute to Wells Fargo, dispute number is XXXX. I submitted all the required details, but Wells Fargo refused the dispute without providing any explanation or written justification. I contacted Wells Fargo regarding this improper dispute handling via its official email at XXXX on XX/XX/XXXX as well ( screenshot attached ), but no response from Wells Fargo at all. I am requesting regulatory assistance to review Wells Fargos failure to credit a merchant-voided transaction and its refusal to properly investigate my dispute, and its lack of response to my written complaints. I am seeking two refunds ( {$270.00} and {$350.00} ), goodwill credit and confirmation that Wells Fargo is complying with its consumer protection obligations.","date_sent_to_company":"2026-03-09T21:20:27.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"94404","tags":null,"has_narrative":true,"complaint_id":"20106931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-09T21:13:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I contacted <em>Wells</em> <em>Fargo</em> regarding this improper dispute handling via its official email at XXXX on XX/XX/XXXX as <em>well</em> ( screenshot attached ), but no <em>response</em> from <em>Wells</em> <em>Fargo</em> at all. I am requesting regulatory assistance to review <em>Wells</em> <em>Fargos</em> failure to credit a merchant-voided transaction and its refusal to properly <em>investigate</em> my dispute, and its lack of <em>response</em> to my written complaints."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.942736,"20106931"]},{"_index":"complaint-public-v1","_id":"19093521","_score":17.93759,"_source":{"product":"Credit card","complaint_what_happened":"am submitting this complaint again because Wells Fargo has failed to resolve this matter despite multiple complaints filed through the CFPB. The bank continues to provide identical, boilerplate responses that do not address the substance of my complaint. \n\nI have formally and repeatedly requested full disclosure of all investigative methods, procedures, findings, and supporting evidence related to this matter. Wells Fargo has refused or failed to provide any such disclosure, which raises serious concerns regarding the legitimacy and adequacy of its investigation. \n\nDespite clear and repeated explanations, Wells Fargo has asserted that I personally activated a credit card that I never received. This assertion is factually false. Nonetheless, Wells Fargo has relied on this claim to repeatedly bill me, resulting in substantial and ongoing harm to my credit report and financial standing.\n\nThe continued reliance on a false premise, combined with the refusal to disclose investigative information and the repeated issuance of identical responses, suggests either a failure to conduct a lawful investigation or the possibility of improper and deceptive billing practices.\n\nThis conduct may constitute violations of applicable consumer protection laws, including but not limited to obligations related to fair investigation, accurate credit reporting, and dispute resolution.\n\nGiven the seriousness of this matter, I respectfully request that the CFPB require Wells Fargo to conduct a proper and documented investigation, provide full disclosure of all investigative materials, correct all inaccurate credit reporting, and bring this matter to an immediate resolution.","date_sent_to_company":"2026-01-29T06:00:00.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"11373","tags":null,"has_narrative":true,"complaint_id":"19093521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-29T05:25:16.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> has refused or failed to provide any such disclosure, which raises serious concerns regarding the legitimacy and adequacy of its <em>investigation</em>. \n\nDespite clear and repeated explanations, <em>Wells</em> <em>Fargo</em> has asserted that I personally activated a credit card that I never received. This assertion is factually false. Nonetheless, <em>Wells</em> <em>Fargo</em> has relied on this claim to repeatedly bill me, resulting in substantial and ongoing harm to my credit report and financial standing."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.93759,"19093521"]},{"_index":"complaint-public-v1","_id":"6180474","_score":17.926437,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/XXXX, I authorized a wire transfer from Wells Fargo in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an investigation and Wells Fargo issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX. Wells Fargo sent XXXX MESSAGES on XXXX, XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX  was able to locate the information and according to XXXX  they responded to Wells Fargo XXXX XXXX Message XXXX XX/XX/XXXX, and XX/XX/XXXX, XXXX. They have NOT received a response from Wells Fargo. Original Claim Number : XXXX - XXXX received a letter from Wells Fargo dated XX/XX/XXXX, stating the inquiry was closed due to no response from XXXX XXXX. Wells Fargo needs to locate those Swift Messages from XXXX and respond accordingly, immediately please. I have been Wells Fargo for over 35 years and would think situations like this would be handled efficiently. The new case number I received from Wells Fargo is XXXX. However, when I call in no one can find it. I even sent a letter to corporate in XXXX. NO RESPONSE. I have been trying to get my {$200000.00} back since the end of XXXX. And, to find out Wells Fargo received a response from XXXX on XX/XX/XXXX is quite upsetting. My husband is in an XXXX XXXX facility and I support both of us. I really need help getting MY money returned. My understanding is that a, \" Hold Harmless Agreement '' needs to be executed. \nThanks, XXXX XXXX XXXX","date_sent_to_company":"2022-11-08T20:18:42.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"27284","tags":null,"has_narrative":true,"complaint_id":"6180474","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-11-08T18:53:16.000Z","state":"NC","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":["On XX/XX/XXXX, I authorized a wire transfer from <em>Wells</em> <em>Fargo</em> in the amount {$200000.00} to XXXX XXXX, c/o XXXXXXXX XXXX XXXX XXXX XXXX said there was an <em>investigation</em> and <em>Wells</em> <em>Fargo</em> issued a recall for the funds. XXXX still has the money. I have been trying to get my money back since the end of XXXX."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[17.926437,"6180474"]},{"_index":"complaint-public-v1","_id":"16826166","_score":17.924763,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint to express my dissatisfaction with Wells Fargos handling of my inquiries. Specifically, the bank responded to multiple distinct questions and concerns using a single, generalized letter. This approach is inadequate and dismissive, as it fails to address the specific issues I raised in detail.\n\nEach of my questions pertained to separate matters requiring individual attention and tailored responses. By consolidating everything into one letter, Wells Fargo avoided providing meaningful answers or resolutions. This lack of transpare\nncy and responsiveness is unacceptable, especially given the seriousness of the concerns I raised.\n\nI want to make it clear that the issue is not resolved. Wells Fargos response did not satisfy my request for clarity or resolution, and I am still seeking proper answers to the original questions.\n\nI respectfully request that the CFPB investigate this matter and ensure Wells Fargo provides individualized, complete responses to each of my concerns","date_sent_to_company":"2025-10-26T18:42:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"27705","tags":null,"has_narrative":true,"complaint_id":"16826166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-26T18:38:38.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB <em>investigate</em> this matter and ensure <em>Wells</em> <em>Fargo</em> 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