Wells Fargo

They literally screwed me hard by putting my new account number online after I specifically told them that the remote cyber access would be able to access my funds, which were the funds from my deceased father's estate, as it was also my primary residence. I have cancer, receive SSI, and Medicaid, and these *** that couldn't graduate kindergarten from the school of dumber than a bag of rocks allowed the fraudulent cyber charge to actually get not only put on the new account, but when I called the bank and went nuts as I was terrified they were going to take all my money, I was supposed to be going into the branch the following day to do a wire transfer to secure my new primary residence in NC.

They literally put the charge through after I called, after seeing it. So I went nuts and raised *** and said that I wanted an immediate hard hold on my account to protect my money so I could complete the closing process and do the wire transfer. Then I go to the local branch the following day and get told that I have no access to my own account because, due to them noticing suspicious activity, I have no words to describe the nightmare. I had no access to my own account since March 11th, and I tried to either change the account or close it, and neither one was allowed.

So on the 18th, I went in and demanded them to close my account if they weren't going to help me with the wire transfer. This very rude woman said that my account was 'unclosable' due to a possible future bill pay, and guess what—it was the freaking cyber hacker's charge! Even better, the corporate office kept sending me correspondence that one was dated March 11th, and I didn't even close the first compromised account until 5:34 on March 11th. So how the *** could they be sending me correspondence dated before the actual incident, and then claim that they were notifying me of suspicious activity in my account and that I should go into the branch and close my account and get a new one?

So after being told that I could not close or change my account on the 18th, I went back to the branch and got, 'Your account is closed and I sent you the check FedEx 3 to 4 business days, but I can't provide you with a tracking number!?' And I have this in an email, not to mention that they never formally notified me of the closing, never provided my account balance, the amount of the cashier's check, and you send my entire account—$153,000 check—and no tracking number. So I was stuck sitting where I'm temporarily staying, and I have actually slept in a shower and a sauna on a hard wooden bench, as I was supposed to be doing that transfer the week of the 11th. I missed oncologist appointments, and I have been taking the same medicine for 7 years, and it's extremely dangerous to just stop taking these. But because I couldn't leave the house, because if FedEx came and I was out, I would have no idea where the *** the check went.

So after a week and a half, I started getting pissed. Number one, I was held in breach of contract, and then my license was expiring on my birthday, but because it's the 23rd, I couldn't make that. Last week, I finally got a response from the escalation department, and she provided the tracking number. So I put it in my FedEx account, and I was so happy to see it was on the way and I would have it at 1:40 PM.

But then I noticed something that was dated March 21st, so I was like, what the *** Upon calling FedEx, I also recorded the call. The gentleman informed me that the check was lost on the day it was on the way, and I specifically asked what the process was for situations like that, and he said they notify the sender. I never had a call from anyone, so I started emailing the executive office and every other big shot department, like I had been since the no tracking number. Then it was a nightmare to get a new one issued, and technically it could take 90 days and you pay a fee, but they know that this whole situation was filled with illegal and other stuff that I could use against them, so they reissued it like on the 13th of April.

Then I couldn't get it deposited into another bank and have access, so I called them and they said, 'Sure, come on in and we'll do the wire transfer and give you some money.' But I got there and was told that they couldn't do anything for me, which is also illegal, as it was a Wells Fargo issued cashier's check. So on Monday, I opened the account with Bank of America and was told definitely that although the bulk of the check would have to be on hold, I could go in the next day and get $6,000, which would help me enormously. As well as having no access to the money for over a month, I have quite a tab. But guess what?

The next day I went in the Bank of America and got told sorry, but your entire check is on hold until April 30th. I am beyond infuriated and just plain want these idiots to pay.

I'm on disability, sleeping in showers, no money, missed doctor's appointments, etc., because of the incompetent and negligent practices. So what do you think?

Wells Fargo Bank, N.A.

Regulation E Violations and Deficient Investigation

Amount in Dispute: $538.92

Complainant: Kathren Moore

I. Introduction

Wells Fargo Bank's failure to conduct a reasonable investigation as required by Regulation E, and its improper denial of a valid consumer dispute involving a total failure of services by the merchant, Siegel Select Atlanta/Acworth. Wells Fargo's handling of this matter reflects systemic misclassification of disputes, overreliance on unsupported merchant assertions, and investigative deficiencies that resulted in substantial and ongoing consumer harm.

II. Nature of the Dispute: Services Not Received

On August 19, 2025, I paid $538.92 to Siegel Select Atlanta/Acworth for a one-week extended-stay reservation through August 26, 2025. Due to faulty key access and the absence of any on-site or after-hours staff, I was unable to access the room I had paid for. Multiple attempts to reach the property and corporate contacts were unsuccessful. As a result, I was forced to spend the night in my vehicle with my dog. This constitutes a total failure of consideration and squarely qualifies as Services Not Received. The fact that payment was authorized was never disputed. The dispute concerns the merchant's failure to provide access and lodging.

III. Wells Fargo's Improper Misclassification

Wells Fargo improperly reframed this dispute as an authorization/processing issue and denied it on the basis that the transaction was authorized. This rationale is legally and factually irrelevant. I never denied authorizing the transaction. The dispute is based on the merchant's failure to provide the contracted service. This misclassification materially impacted the outcome and appears designed to justify denial rather than evaluate the substance of the claim.

IV. Failure to Conduct a Reasonable Investigation

(Regulation E)

Wells Fargo failed to conduct a reasonable investigation as required by Regulation E by:

1. Accepting the merchant's conclusory statements without corroboration.

2. Relying on documents that only prove payment (ID, registration agreement, invoice, front-desk photo), not service delivery.

3. Failing to reconcile merchant claims with objective evidence showing immediate alternate housing actions.

4. Refusing to meaningfully consider sworn statements and documentary evidence.

5. Delaying access to merchant evidence for months after the dispute was initiated.

The merchant falsely claimed I was helped into my room, yet provided no proof of room access, occupancy logs, key reprogramming, or staff intervention. Wells Fargo accepted this unsupported assertion despite substantial contradictory evidence.

V. Objective Evidence Contradicting Merchant Claims

The evidence submitted establishes that I did not occupy the room and was forced to make immediate alternate arrangements:

Sworn affidavits confirming I spent the night in my vehicle.

Utility restoration records showing power restored at my former residence the following day.

USPS money orders and banking records showing rent paid immediately thereafter.

Bank statements showing the sequence of hotel charge, utility restoration, and rent payment.

This objective timeline is incompatible with hotel occupancy and demonstrates abandonment of the reservation due to failure of service.

VI. Procedural Deficiencies and Obstruction

Wells Fargo failed to provide transcripts or written records of my original dispute statements and did not timely provide the merchant's evidence. The bank also declined to accept or properly evaluate additional documentation during the investigation, impairing my ability to correct factual inaccuracies.

VII. Consumer Harm

Wells Fargo's improper denial has caused prolonged financial hardship, including overdraft status, loss of essential services, and imminent risk to housing stability and employment continuity. The harm is ongoing and directly attributable to the bank's failure to comply with Regulation E.

VIII. Requested Regulatory Relief

I respectfully request immediate action to mitigate ongoing damages and confirmation that:

Wells Fargo is compelled to reverse the $538.92 charge.

An Internal and External Review is conducted to audit Wells Fargo's dispute classification and investigative protocols.

Evaluate Wells Fargo's compliance with Regulation E and UDAAP standards in this matter.

My money has been stolen by ***. They closed my account ON 5/29/2026 with $22,452.00 in it and I can not pay my bills they said they would give me a cashiers check on June 11th for the money.

In the mean time I have bills due that I can not pay and my credit rating is 840. My credit rating is going to drop and I will *** Fargo for that. I am going to call 911 at the bank and say there is a robbery in progress and have the bank employees arrested for stealing my money also I have a group of people lined up to protest at the bank with signs for unlawful business practices. I promise to disrupt this bank everyday until my money is returned.

Please write me a cashiers check promptly. I have financial obligations to pay. I have been accused of money laundering. I have worked hard all my life and saved and invested wisely and now I am retired and enjoying my money and *** *** has ruined that for me.

This is the United States of America and not ***!

Give me my money now or else!!! ***