Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018 Wells Fargo is doing another scam. My account was breached. I filed a complaint with Wells Fargo Claims Assistant Center XXXX about one merchant :  XXXX connected to a XXXX entity that did not fulfill my order and was adding recurring payments to my banking account via XXXX or other third party merchants. What the claims center did was file unauthorized complaints with 32 merchants I do business with via XXXX charged to my bank account. None of whom I complained about as all of those charges in my checking account via XXXX were legal. I asked Well Fargo to with draw each of the Complaints about Merchants on XXXX. That Happened. But what Wells Fargo did was charge each of these merchants a {$25.00} fee for investigation or filing fee showing a profit of above {$800.00} to the Claims dept and the Wells Fargo XXXX  XXXX who filed claims against these wholly innocent merchants ... who now do NOT want to do business with me. I did NOT authorize the 32 complaints. Further, Wells Fargo insists upon investigating every charge on my account for 60 days before the XX/XX/XXXX- XX/XX/2018 event I disputed and merchant I did complain about and 60 days after the event. I did not authorize the Claims Dept to investigate or dispute all activity and all merchants in my checking account via XXXX for which Well Fargo charges the merchant a {$25.00} fee. The merchants I do business with are angry about the {$25.00} fee which Wells Fargo says they can not reimburse the merchants. Also, XXXX has refused me access to my XXXX Account which is how I pay my merchants. 

I am out of business until XXXX takes the STOP off of my account. I asked Wells Fargo to withdraw all complaints to XXXX and reimburse my merchants the $ XXXX XXXX withdrew from their accounts. Wells Fargo says this will take 30 days. NOT good. 

Here 's what I did : I told the banker XXXX XXXX/XXXX I would not leave the bank in XXXX, Texas until my merchants were reimbursed the {$25.00} fee, plus the $ XXXX XXXX pulled from merchant accounts. XXXX XXXX. Wells Fargo Supervisor, Claim number XXXX made {$690.00} available to me to personally reimburse my merchants. 

Wells Fargo must stop charging merchants a fee to dispute a claim. Wells Fargo went beyond my original dispute to make disputes against all merchants I do business with in order to collect a {$25.00} fee~which will add thousands of dollars in profit to their claims dept while instituting disputes by expanding upon the original consumer dispute. Furthermore, the Claims Center would not tell me or my banker, XXXX XXXX, the name of the XXXX  XXXX who initiated all 32 complaints against my innocent merchants. When I filed the original complaint, I told the guy to keep me in the loop. He did not via phone or email. Also, I am XXXX and XXXX years old. 

This is another scam by Wells Fargo. Well Fargo does not charge their banking client- me, a fee for investigating a disputed charge, but instead expands on the original dispute to collect fess from innocent merchants.

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 explanation