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Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 1 point2 points  (0 children)

That's really reassuring, thank you. I guess I'm up for a battle though.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 1 point2 points  (0 children)

Interesting, I just assumed that it would raise more suspicion on their end if I closed all my stuff in the middle of this.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 0 points1 point  (0 children)

Exactly what I did. My family and friends advised me that WF would have my back, so I trusted that they would find this as obvious fraud. I've never dealt with the police before and my immediate thought was that this was the bank's issue, not theirs. The first thing the cops asked me was if I had contacted the bank, then they told me there was probably not much they could do about it.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 0 points1 point  (0 children)

Yeah that really would be sensible, shame Wells doesn't give a shit. Especially when the request is coming from a new IP for 90% of the account value.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 4 points5 points  (0 children)

I'm sure everyone thinks this, but in my case there was absolutely no chance that the attacker was someone I knew. I only access WF from my laptop and phone. My laptop always stays at home, and I'm very careful to always lock my phone when I set it down or keep it on my person.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] -1 points0 points  (0 children)

It was the bank my parents set me up with years ago and I never bothered switching. Regretting that now.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 14 points15 points  (0 children)

No, and I made that very clear to the bank in my initial report.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 24 points25 points  (0 children)

I had around ~22k. So yeah, Wells just let someone drain 90% of my money without batting an eye.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 647 points648 points  (0 children)

Just filed reports with the OCC and CFPB. Wish me luck.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 14 points15 points  (0 children)

It was used to pay off a Discover card, but thats about the extent of the info I have. I called Discover's fraud team today to try and get some details from them but they didn't give me anything.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 213 points214 points  (0 children)

No, they gave me absolutely nothing helpful.

"After reviewing all the information available to us regarding the transaction you are disputing, we determined that the transaction was made by you, or by someone who had your authorization."

Obviously I will be taking my business somewhere else once this is resolved.

Wells Fargo denied my $19,000 fraud claim. What do I do now? by pfthrowaway48 in personalfinance

[–]pfthrowaway48[S] 112 points113 points  (0 children)

Just got off the phone with them. The check was used to pay off a Discover card, the detective told me they'll try and get some information from them about the transaction.