GET GEPHARDT

Get Gephardt helps Utah woman who says her bank refused to refund stolen money

May 30, 2024, 10:25 PM | Updated: 10:34 pm

PARK CITY — A trip to Las Vegas to party with friends and to see a show isn’t exactly a cheap adventure to begin with, but for Danielle Addicott it became extraordinarily expensive.

“Somebody in Texas was trying to run my card up around $2,000,” Addicott said of the alert she received from her bank while at the concert venue.

The number that popped up on her phone with that call was a Wells Fargo number she had seen before, but the caller wasn’t really from Wells Fargo. She was a scammer, who then manipulated Addicott into divulging personal information that she thought would secure her account.

“She fully gained my trust – made it seem legit,” she said of the caller. “She already had my birthday and the debit card number we were talking about.”

Charges on Addicott's Wells Fargo account.

Charges on Addicott’s Wells Fargo account. (KSL TV)

Minutes after that call, Addicott tried to use her bank card at a vendor inside the venue. The transaction was denied due to insufficient funds. Addicott learned her bank account had been drained of more than $7,000.

Addicott saw some of the previous reporting from KSL Investigators about how, in certain instances, banks are expected to step in and prevent fraud. And when they don’t, federal rules could require banks to reimburse stolen money.

So, she immediately called the real Wells Fargo and filed a claim.

“I had all this information, all this proof, that I didn’t make that transaction,” she said.

ddicott looking at her Wells Fargo claim inquiry.

Addicott looking at her Wells Fargo claim inquiry. (KSL TV)

Addicott said she spent weeks trying to get someone from Wells Fargo to accept her evidence. But after a month, she said a call from the bank made something that was already bad into something worse.

“’Unfortunately, your claim has been denied because there’s no proof of fraud,’” she said the bank told her. “I was honestly just really frustrated.”

Not sure where else to turn, Addicott decided it was time to call the KSL Investigators, and we reached out to Wells Fargo on her behalf and asked how they determined there was no fraud.

In an email, a spokesperson wrote, “… we worked closely with our customer, and after receiving additional information, we were able to come to this resolution.”

The letter that a Wells Fargo spokesperson sent to KSL about Addicott's situation.

The letter that a Wells Fargo spokesperson sent to KSL about Addicott’s situation. (KSL TV)

Indeed, Addicott said she heard back from Wells Fargo, which reversed their refusal and refunded much of the stolen money.

Under Regulation E of the federal Electronic Fund Transfer Act, financial institutions are required to reimburse customers in certain cases of fraud. The Consumer Financial Protection Bureau says that even if an account holder is induced by a third party to share account information, it’s still considered an unauthorized transfer.

Get Gephardt

According to new data from Carfax, at the end of last year, there were 609,000 vehicles with an unf...

Matt Gephardt

600,000 cars in Utah need recalls fixed, what is holding up the repair work?

According to new data from Carfax, at the end of last year, there were 609,000 vehicles with an unfixed recall in Utah.

5 days ago

Lynzee Delapaz explains to KSL’s Matt Gephardt how her car was damaged when it collided with anot...

Matt Gephardt and Sloan Schrage

Get Gephardt: Who’s legally responsible for damage when cars collide in a car wash?

A Grantsville woman’s car was damaged inside a car wash when the vehicle ahead of her went off the tracks. So, who pays for the damage?

6 days ago

Matt Gephardt speaking to Thelissa Mead about Hyundai not responding to her claims and getting her ...

Matt Gephardt

Get Gephardt helps Utah Hyundai owner seeking reimbursement for overestimated fuel economy

A major automaker was accused of saying their cars get better mileage than they really do, And they promised to pay their customers back. But when one Utah customer wasn't, she decided to Get Gephardt.

10 days ago

(FILE) A test dummy getting hit by an air bag during a crash test....

Matt Gephardt and Sloan Schrage, KSL TV

Thousands of cars equipped with faulty airbags on Utah roads as automakers issues ‘Do Not Drive’ warnings

Auto manufacturers have recalled over millions of Takata airbags because of their potential to explode and shoot out sharp metal fragments. And there are still thousands of those in cars across Utah.

19 days ago

sprinkler sprays on green grass...

Matt Gephardt and Sloan Schrage

Get Gephardt: Layton man demands refund for decades of charges for water he can’t access

Imagine finding out you've been paying nearly 40 years for rights to water you're not only not getting, but that you can't get, because the pipes for it don’t exist.

20 days ago

Credit cards...

Matt Gephardt

Household debt reaches record high but inflation is masking debt progress

Personal finance experts say American household debt is at a record high, but considering the circumstances, it could be much worse.

25 days ago

Sponsored Articles

Photo courtesy of Artists of Ballet West...

Ballet West

The rising demand for ballet tickets: why they’re harder to get

Ballet West’s box office is experiencing demand they’ve never seen before, leaving many interested patrons unable to secure tickets they want.

Electrician repairing ceiling fan with lamps indoors...

Lighting Design

Stay cool this summer with ceiling fans

When used correctly, ceiling fans help circulate cool and warm air. They can also help you save on utilities.

Side view at diverse group of children sitting in row at school classroom and using laptops...

PC Laptops

5 internet safety tips for kids

Read these tips about internet safety for kids so that your children can use this tool for learning and discovery in positive ways.

Women hold card for scanning key card to access Photocopier Security system concept...

Les Olson

Why printer security should be top of mind for your business

Connected printers have vulnerable endpoints that are an easy target for cyber thieves. Protect your business with these tips.

Modern chandelier hanging from a white slanted ceiling with windows in the backgruond...

Lighting Design

Light up your home with these top lighting trends for 2024

Check out the latest lighting design trends for 2024 and tips on how you can incorporate them into your home.

Technician woman fixing hardware of desktop computer. Close up....

PC Laptops

Tips for hassle-free computer repairs

Experiencing a glitch in your computer can be frustrating, but with these tips you can have your computer repaired without the stress.

Get Gephardt helps Utah woman who says her bank refused to refund stolen money