To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX. 
