Product: Credit card or prepaid card

They recently responded with proof of delivery, but that is NOT MY NAME not my SIGNATURE and I live by myself, Why am I trying so hard back and forth think? because of course am truthful here and no matter what I will complain 10 more times next to OCC anything for me to make this fair for myself. in the response, Wells Fargo is claiming their employee did not misbehave or hung up the phone on me? THAT IS A LIE. i was trying to tell XXXX if I can speak to the case officer she said NO I asked her what can I do she said well NOTHING. wells Fargo can not just say OHH nothing and leave me liable for something I never received. forgery of the signature of the driver has handed the package to someone entirely different and they do not want to take liability. - ) I informed in time as soon as I found out my package was lost. - ) I responded to every communication wells Fargo had. - ) visa is saying they can't help because the merchant is showing the proof of delivery? WHAT PROOF? MY NAME? NO, MY SIGNATURE? NO NOTHING. - ) the merchant needs to file a claim with XXXX and recover with them because they took an extra {$40.00} from me for a SECURE delivery which they did not do I can not be put liable for this I will come back with this complaint back and forth. Until you are more than welcome to call me and discuss with me if you are confused. *previous communication is attached below. on XX/XX/XXXX i called wells Fargo reporting a purchase issue with XXXX for {$3800.00}. Where I paid an extra {$40.00} to XXXX for a secured delivery to me and the parcel to be only released to me but anybody else i did that because of the amount of the purchase and i wanted to be secured from my end. On the XXXX of XXXX, i was at home waiting for my parcel to arrive, XXXX never showed up and i received an email from XXXX saying that the parcel was delivered to the address i freaked out and checked the tracking, It said it was delivered NO SIGNATURE WAS OBTAINED AND SOME RANDOM DELIVERY NAME AS XXXX was mentioned, For secured delivery XXXX is required to check the ID of the person before they release it. I freaked out so much as it is my life 's very first investment i called wells Fargo and reached out to XXXX and XXXX .. XXXX said that the sender could file a claim with us as a receiver i could not do anything. I called XXXX they said they will look into it since then never replied, Wells Fargo initiate my dispute on the XXXX of XXXX with dispute details Dispute Number : XXXX Date Posted : XX/XX/2022 Merchant Name : XXXX, XXXX. Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated Wells Fargo called me on XX/XX/XXXX saying they are going to decline my dispute, I spoke to XXXX from the claims department, and She was insulting, I was trying to understand how can i put liable for something i did nothing wrong - ) I paid extra on top of the total price of the product. - ) i informed my bank less than 24 hours after the incident. - ) i replied to every call wells Fargo had for me. even after all of this, she was so rude to me that SHE HUNG UP ON ME WHILE I WAS TALKING. and just yesterday they posted the charge back onto my account. I want to know where was i wrong? how am i liable? I am a fulltime XXXX student, it was my life 's first investment and i have now been left with nothing they putting me liable for something i never received. What about visa customer rights. XXXX did not deliver what they promised. Please help me Please. 

according to visa terms and conditions, on the denial letter earlier it says, Merchant has provided the proof of delivery? the proof of delivery can not be deemed sustained because the delivery person is different including the signature obtained does not belong to me. As a customer, I informed my bank in a timely manner in every possible way. the proof of delivery provided is irrelevant.Wells fargo has put blame on XXXX and that is why I am reaching out to you as well as my bank again.