Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Originally victim of a scam where I was double charged for my purchases. There were XXXX legitimate transactions. I signed a receipt for both. Merchant told me they had to rerun the transactions because there wad an issue with running my card so they reran both transactions again. 

I disputed transaction with Wells but they said since I signed the receipt I need to call merchant. I called the merchant. After a XXXX XXXX of talking to random people I got a hold of the manager. Instead of reversing the transaction he just lied and said the prices were all doubled. Which is absolutely ridiculous and an obvious scam. 

I reached out to wells and explained what was going on. XXXX of their people literally said to me she knows this is a scam but there's nothing they will do. This double charge is {$3600.00} mind you. So wells was totally fine letting me just get robbed of {$3600.00} and letting me figure it out. This after XXXX XXXX  of perfect pay on multiple trade lines with them. They told me unless I come up with new info they wouldn't help me. 

I got copies of the receipts and documents from transactions and pointed out an obviously forged signature on XXXX of them. I sent them copies of my uber receipts showing time I left. I've sent screenshots showing people verifying in XXXX reviews the pricing me and merchant agreed upon. They have ignored this info. I've asked for the person investigating my issue to call me each time I was promised a phone call but they never do. 

I reached out to the XXXX XXXX  to try and get a referral for a lawyer to sue the merchant. I've called multiple lawyers myself to try and get this handled. After a time I decided I will just pay as much as I can so my perfect credit stops getting damaged and because I had spent over XXXX XXXX XXXX stressing about this. 

When I called wf and asked for settlement options the person I spoke to ran me through a calculator. After I had answered literally just the XXXXXXXX question she influenced me to change my answer. Ultimately I was declined a settlement. When I asked why they would rather me just charge the card off she said it's because they can write the loss off in their taxes. 

I had to liquidate my IRA so I could pay off the transaction and it still was not enough to cover the late fees and interest accrued while I was fighting the transaction. 

Wells is the ultimate example of apredatory and irresponsible lender They gave the merchant an opportunity to scam me. They're allowing me to be victimized by the merchant by not reversing the double transaction. They're also profiting off of the scam by trying to collect interest and late fees accrued while trying to resolve this. On top of that the customer service has been horrible. I never get the calls I've been promised and their responses are delayed allowing more fees and interest to accrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief